Blockchain token-based cloud orchestration architecture for discrete virtual network instances

ABSTRACT

A blockchain-enabled service-based cloud native function (CNF) application architecture including a physical cloud infrastructure that includes computing resources, an application service mesh network including CNF that communicate with each other, and a blockchain-supported network slice orchestration of one or more network slices managed by a slice coin orchestrator, each network slice being an instantiated logical network, is defined by a smart contract deployed on a blockchain network. The slice coin orchestrator transacts smart contracts transferring tokens that are configured to be exchangeable for instantiation of a network slice, defined as slice coins, with each slice coin of the plurality of slice coins being configured to regulate at least one of access to and use by the one or more network slices to at least one of the computing resources and the CNF applications of the application service mesh network.

RELATED APPLICATIONS

This application is a continuation-in-part application of and claimspriority under 35 U.S.C. § 120 of U.S. patent application Ser. No.17/304,693 (Attorney Docket No. 3026.00070) filed on Jun. 24, 2021 andtitled SERVICE MESHES AND SMART CONTRACTS FOR ZERO-TRUST SYSTEMS, whichin turn claims priority under 35 U.S.C. § 119(e) of U.S. ProvisionalPatent Application Ser. No. 63/213, 254 (Attorney Docket No. 3026.00069)filed on Jun. 22, 2021 and titled Blockchain Smart Contracts to Monitor,Supervise and Control 5G Core through Standardized APIs to CNFs, and isa continuation-in-part application of and claims priority under 35U.S.C. § 120 of U.S. patent application Ser. No. 17/302,552 (AttorneyDocket No. 3026.00063) filed on May 6, 2021 and titled SERVICE MESHESAND SMART CONTRACTS FOR ZERO-TRUST SYSTEMS, which in turn is acontinuation-in-part application of and claims priority under 35 U.S.C.§ 120 of U.S. patent application Ser. No. 16/286,932 (Attorney DocketNo. 3026.00019) filed on Feb. 27, 2019 and titled Transaction PoolsUsing Smart Contracts and Blockchains, which in turn is acontinuation-in-part application of and claims priority under 35 U.S.C.§ 120 of U.S. patent application Ser. No. 16/127,283, now U.S. Pat. No.10,243,743, issued Mar. 26, 2019 (Attorney Docket No. 3026.00011) filedon Sep. 11, 2018 and titled Tokens or Crypto Currency Using SmartContracts and Blockchains, which in turn claims priority under 35 U.S.C.§ 119(e) of U.S. Provisional Patent Application Ser. No. 62/557,820filed on Sep. 13, 2017 and titled Tokens or Crypto Currency for ChangeUsing Smart Contracts and Blockchains, which in turn claims priorityunder 35 U.S.C. § 119(e) of U.S. Provisional Patent Application Ser. No.62/618,784 filed on Jan. 18, 2018 and titled Additional Features ofCoinBank and nCash NCC Tokens, which in turn claims priority under 35U.S.C. § 119(e) of U.S. Provisional Patent Application Ser. No.63/175,069 (Attorney Docket No. 3026.00062) filed on Apr. 15, 2021 andtitled Blockchain-Based Multi-Layer Protection for Cloud-Native 5GNetworks, which in turn claims priority under 35 U.S.C. § 119(e) of U.S.Provisional Patent Application Ser. No. 63/166,301 (Attorney Docket No.3026.00060) filed on Mar. 26, 2021 and titled Blockchain-Secured SecureService Mesh for Decentralized Zero-Trust 5G Core Networks, which inturn claims priority under 35 U.S.C. § 119(e) of U.S. Provisional PatentApplication Ser. No. 63/172,743 (Attorney Docket No. 3026.00061) filedon Apr. 9, 2021 and titled Blockchain-based Multi-Layer Protection forCloud-Native 5G Networks, which in turn claims priority under 35 U.S.C.§ 119(e) of U.S. Provisional Patent Application Ser. No. 63/080,051filed on Sep. 18, 2020 and titled Decentralized 5G Networks UsingBlockchains. The contents of these applications are incorporated hereinby reference.

FIELD OF THE INVENTION

The present invention relates to systems and methods for improving thelinking smart contracts in transactions on a blockchain network.

BACKGROUND

Blockchain is a distributed and public ledger which maintains records ofall the transactions. A blockchain network is a truly peer-to-peernetwork and it does not require a trusted central authority orintermediaries to authenticate or to settle the transactions or tocontrol the network infrastructure. Users can interact and transact withthe blockchain networks through Externally Owned Account (EOAs), whichare owned and controlled by the users. Each EOA has a balance (incertain units of a Cryptocurrency associated with the Blockchainnetwork) associated with it. EOAs do not have any associated code. Alltransactions on a blockchain network are initiated by EOAs. Theseaccounts can send transactions to other EOAs or contract accounts.Another type of accounts support by second generation programmableBlockchain platforms are the Contract Accounts. A Contract Account iscreated and owned by an EOA and is controlled by the associated contractcode which is stored with the account. The contract code execution istriggered by transactions sent by EOAs or messages sent by othercontracts.

Blockchain networks can either be public or private. Public blockchainnetworks are free and open to all and any user can create an account andparticipate in the consensus mechanism on a public blockchain and viewall the transactions on the network. Private blockchain networks areusually controlled and operated by a single organization and thetransactions can be viewed only by the users within the organization.Public blockchain networks are usually unpermissioned or permissionless,as any node can participate in consensus process. Some public blockchainnetworks adopt a permissioned model where the consensus process iscontrolled by a pre-selected set of nodes. Private blockchain networksusually adopt the permissioned model. While public blockchain networkscan be considered as fully decentralized, private blockchain networksare partially decentralized.

Organizations can have multiple private blockchain networks where eachnetwork is dedicated to a specific use case or department or businessvertical. The blockchain networks within an organization may be createdeither using the same blockchain platform or technology or withdifferent platforms or technologies.

On each blockchain network, a user can create multiple Externally OwnedAccounts (EOAs). Each Externally Owned Account (EOA) has apublic-private keypair associated with it. The account address isderived from the public key. When a new EOA is created, a keyfile iscreated which has the public and private keys associated with theaccount. The private key is encrypted with the password which isprovided while creating the account. For sending transactions to otheraccounts, the private key and the account password are required.

This background information is provided to reveal information believedby the applicant to be of possible relevance to the present invention.No admission is necessarily intended, nor should be construed, that anyof the preceding information constitutes prior art against the presentinvention.

SUMMARY OF THE INVENTION

With the above in mind, embodiments of the present invention aredirected to a system and associated methods for exchange of information,value or tokens within and between blockchain networks and the realphysical world.

A system of one or more computers can be configured to performparticular operations or actions by virtue of having software, firmware,hardware, or a combination of them installed on the system that inoperation causes or cause the system to perform the actions. One or morecomputer programs can be configured to perform particular operations oractions by virtue of including instructions that, when executed by dataprocessing apparatus, cause the apparatus to perform the actions. Onegeneral aspect includes a blockchain-enabled service-based cloud nativefunction (CNF) architecture. The blockchain-enabled service-based cloudnative function also includes an application service mesh network mayinclude a plurality of applications configured to communicate with eachother. The function also includes where a plurality of smart contractsmay include network slicing information from the application servicemesh network are recorded to a blockchain network. The function alsoincludes where the network slicing information may include by theplurality of smart contracts is related to one or more of a standardprotocol network exposure function (NEF), a standard protocol servicecommunication proxy (SCP), and a standard protocol network repositoryfunction (NRF). Other embodiments of this aspect include correspondingcomputer systems, apparatus, and computer programs recorded on one ormore computer storage devices, each configured to perform the actions ofthe methods.

Implementations may include one or more of the following features. Thearchitecture where the network slicing information may includeinformation about the security of CNFs may include a service-basedarchitecture. Each network slice is assigned an identifier that isstored on the blockchain and utilized by the smart contracts forresource assignment. The plurality of applications may include at leastone of a containerized network function, a virtual network function, aworker node, a server, a container, a pod, and a virtual machine. Thestandard protocol NEF is a 3rd generation partnership project (3GPP)NEF, the standard protocol SCP is a 3GPP SCP, and the standard protocolNRF is a 3GPP NRF. Access to selected information elements provided byservices utilizes the smart contracts. The application service meshsupports a plurality of network slices may include a shared set of CNFsand an unshared set of CNFs. The network slicing information may includeinformation about one or more of performance, network load, andavailability of the network associated with the network slicinginformation. Implementations of the described techniques may includehardware, a method or process, or computer software on acomputer-accessible medium.

A system of one or more computers can be configured to performparticular operations or actions by virtue of having software, firmware,hardware, or a combination of them installed on the system that inoperation causes or cause the system to perform the actions. One or morecomputer programs can be configured to perform particular operations oractions by virtue of including instructions that, when executed by dataprocessing apparatus, cause the apparatus to perform the actions. Onegeneral aspect includes a blockchain-enabled service-based cloud nativefunction (cnf) application architecture. The blockchain—enabledservice—based cloud native function also includes physical cloudinfrastructure may include computing resources, the computing resourcesmay include: a processor, memory positioned in communication with theprocessor, and a network communication device positioned incommunication with the processor. The function also includes anapplication service mesh network may include a plurality of cnfapplications configured to communicate with each other, each applicationof the plurality of applications being executable on the physicalinfrastructure. The function also includes a blockchain-supportednetwork slice orchestration of one or more network slices managed by aslice coin orchestrator, each network slice being an instantiatedlogical network, is defined by a smart contract deployed on a blockchainnetwork, and may include: a set of network slice functions performed byCNF applications of the application service mesh network, and resourcesfrom the computing resources operable to execute the set of networkslice functions. The function also includes where the slice coinorchestrator is operable to transact smart contracts transferring tokensthat are configured to be exchangeable for instantiation of a networkslice, defined as a plurality of slice coins, on the blockchain network,each slice coin of the plurality of slice coins being configured toregulate at least one of access to and use by the one or more networkslices to at least one of the computing resources and the CNFapplications of the application service mesh network. Other embodimentsof this aspect include corresponding computer systems, apparatus, andcomputer programs recorded on one or more computer storage devices, eachconfigured to perform the actions of the methods.

Implementations may include one or more of the following features. Thearchitecture where the network slice is configured across computingresources and services controlled by multiple distinct networkoperators. The plurality of slice coins is configured to regulate accessto enforce at least one of security constraints, service constraints,and computing resources. Colon> a first slice coin of the plurality ofslice coins is configured to regulate access to enforce a securityconstraint, a second slice coin of the plurality of slice coins isconfigured to regulate access to enforce a service constraint, and athird slice coin of the plurality of slice coins is configured toregulate access to computing resources. Usage of each slice coin istracked by a network slice identifier. Usage of each slice coin isfurther tracked by an identifier for a network operator. At least onefunction performed by a CNF application is shared between two of thenetwork slices. The network slice is a kubernetes-based microservicesapplication. Colon> a network slice of the plurality of network slicesmay include at least one of a priority, a security level, a securityindication, and a duration, defining a network slice requirement; andwhere the slice coin orchestrator is configured to determine at leastone of a quantity and a type of slice coins necessary to instantiateeach network slice responsive to the network slice requirement. Thephysical cloud infrastructure may include a plurality of computingdevices, each computing device may include a processor, a memory, and anetwork communication device, defining computing resources for eachcomputing device of the physical cloud infrastructure; and the slicecoin orchestrator is configured to provision computing resources foreach network slice from the plurality of computing devices.Implementations of the described techniques may include hardware, amethod or process, or computer software on a computer-accessible medium.

One general aspect includes a method of instantiating ablockchain-enabled service-based cloud native function (CNF) applicationarchitecture may include an application service mesh network may includea plurality of CNF applications configured to communicate with eachother via a blockchain-supported network slice orchestrator. The methodof instantiating also includes receiving a request from a user toinstantiate a network slice, defining a network slice request, thenetwork slice request may include: a set of network slice functionsperformed by CNF applications of the application service mesh network,and computing resources operable to execute the set of network slicefunctions. The instantiating also includes determining at least one of arequired quantity of slice coins and slice coin type requirementresponsive to the network slice request, defining a slice coin price.The instantiating also includes transmitting an indication of the slicecoin price to the user. The instantiating also includes transacting asmart contract transferring from the user to the network sliceorchestrator at least one of a number of slice coins equal to therequired quantity of slice coins and slice coins matching the slice cointype requirement on a blockchain network whereupon the slice coins aredeployed. The instantiating also includes instantiating a network sliceresponsive to the network slice request, the network slice may includethe set of network slice functions and computing resources provisionedfrom a cloud infrastructure. The instantiating also includes recordingthe instantiation to a smart contract deployed on the blockchain. Otherembodiments of this aspect include corresponding computer systems,apparatus, and computer programs recorded on one or more computerstorage devices, each configured to perform the actions of the methods.

Implementations may include one or more of the following features. Themethod where the slice coins are configured to regulate access by theone or more network slices to at least one of the computing resourcesand the CNF applications of the application service mesh network. Theslice coins are configured to regulate access to enforce at least one ofsecurity constraints, service constraints, and computing resources.Colon> a first slice coin of the plurality of slice coins is configuredto regulate access to enforce a security constraint, a second slice coinof the plurality of slice coins is configured to regulate access toenforce a service constraint, and a third slice coin of the plurality ofslice coins is configured to regulate access to computing resources. Themethod may include tracking the usage of each slice coin by a networkslice identifier. The method may include tracking the usage of eachslice coin by an identifier for a network operator. At least onefunction performed by a CNF application is shared between two of thenetwork slices. The network slice is instantiated on a kubernetescluster. Colon> the network slice request further may include at leastone of a priority, a security level, a security indication, and aduration, defining a network slice requirement; and the slice coinsprice is determined responsive to the network slice requirement.Implementations of the described techniques may include hardware, amethod or process, or computer software on a computer-accessible medium.

BRIEF DESCRIPTION OF THE DRAWINGS

FIG. 1 is a schematic diagram of a retail payments, loyalty rewards andpeer-to-peer lending system that uses smart contracts and blockchain.

FIG. 2 is an illustration of a process for retail payments where acustomer pays in cash at a merchant kiosk/application/point of saleapplication or hardware device that is aware of the nCash platform, andinstead of receiving loose change back receives digital tokens in thenCash mobile application wallet, according to an embodiment of theinvention.

FIG. 3 is an illustration of a process for retail payments where acustomer pays in cash and instead of receiving loose change backreceives digital tokens from a merchant account in the nCash mobileapplication, according to an embodiment of the invention.

FIG. 4 is an illustration of the components of the nCash mobileapplication wallet, according to an embodiment of the invention.

FIG. 5 is an illustration a process for QR-code based payment requestand authorization, according to an embodiment of the invention.

FIG. 6 is an illustration of a process for buying coins with credit ordebit card, according to an embodiment of the invention.

FIG. 7 is an illustration of a process for buying coins with ACH BankTransfer, according to an embodiment of the invention.

FIG. 8 is an illustration of a process for buying coins withCryptocurrencies, according to an embodiment of the invention.

FIG. 9 is an illustration a process for withdrawing coins to a linkedbank account, according to an embodiment of the invention.

FIG. 10 is an illustration of the smart contracts involved in the nCashretail payments, loyalty rewards and peer-to-peer lending platform,according to an embodiment of the invention.

FIG. 11 is an illustration of a process for peer-to-peer lending,according to an embodiment of the invention.

FIG. 12 is a schematic diagram of the blockchain-based peer-to-peerlending system, according to an embodiment of the invention.

FIG. 13 is an illustration the multi-signature collateral contract usedby the peer-to-peer lending system, according to an embodiment of theinvention.

FIG. 14 is an illustration of a process for chaining of loans, accordingto an embodiment of the invention.

FIG. 15 is an illustration of a process for lending with cryptocurrencyor tokens as collateral where the borrower successfully repays the loan,according to an embodiment of the invention.

FIG. 16 is an illustration of a process for lending with cryptocurrencyor tokens as collateral where the borrower fails to repay the loan,according to an embodiment of the invention.

FIG. 17 is an illustration of a process for lending with physical assetsas collateral, according to an embodiment of the invention.

FIG. 18 is an illustration of the transaction fee involved for buyingand selling of coins, according to an embodiment of the invention.

FIG. 19 is an illustration of the smart contracts related to the lendingplatform and the interactions of borrowers and lenders with the smartcontracts, according to an embodiment of the invention.

FIG. 20 is an illustration of a process for issuing cashback anddiscounts using smart contracts, according to an embodiment of theinvention.

FIG. 21 is an illustration of a peer-to-pool-to-peer (P2P2P) lendingmodel, according to an embodiment of the invention.

FIG. 22 is an illustration of a lending pool generator for generatinglending pool smart contracts, according to an embodiment of theinvention.

FIG. 23 is an illustration of a matching engine for matching borrowersto lending pools, according to an embodiment of the invention.

FIG. 24 is an illustration of feeding external data to lending poolcontracts using an oracle, according to an embodiment of the invention.

FIG. 25 is an illustration of channels and triggers for lending pools,according to an embodiment of the invention.

FIG. 26 is an illustration of smart contracts involved in a lendingpool, according to an embodiment of the invention.

FIG. 27 is an illustration of a pool-of-pools comprised of multiplelending pools, according to an embodiment of the invention.

FIG. 28 is an illustration of a lending pool smart contract structureand transactions, according to an embodiment of the invention.

FIG. 29 is an exemplary classification of lending pools based on theirrisk and returns, according to an embodiment of the invention.

FIG. 30 is an illustration of an alliance of merchants withinteroperable loyalty points, according to an embodiment of theinvention.

FIG. 31 is an illustration of a distributed messaging framework calledBulletin Board Messaging Framework (BBMF) according to an embodiment ofthe invention.

FIG. 32 is an illustration of consumer/subscriber actions supported inthe publish-subscribe messaging framework illustrated in FIG. 31.

FIG. 33 is an illustration of a smart contract data source that uses anexternal publisher client to publish messages to the publish-subscribemessaging framework, according to an embodiment of the invention.

FIG. 34 is an illustration of a smart contract data source that uses anintegrated publisher client to publish messages to the publish-subscribemessaging framework, according to an embodiment of the invention.

FIG. 35 is an illustration of the message format for thepublish-subscribe messaging framework, according to an embodiment of theinvention.

FIG. 36 is an illustration of a global variable name system beingupdated by a consumer of the publish-subscribe messaging framework,according to an embodiment of the invention.

FIG. 37 is an illustration of the architecture of a global variable namesystem, according to an embodiment of the invention.

FIG. 38 is an illustration of a blockchain checkpointing approach in thepublish-subscribe messaging framework, according to an embodiment of theinvention.

FIG. 39 is an illustration of global variable sharing across smartcontracts, according to an embodiment of the invention.

FIG. 40 is an exemplary implementation of a Bulletin BoardPublisher/Producer client and Consumer/Subscriber client, according toan embodiment of the invention.

FIG. 41 is an exemplary interface of the nCash mobile application,according to an embodiment of the invention.

FIG. 42 is an exemplary interface of the nCash mobile applicationshowing peer-to-peer lending options, according to an embodiment of theinvention.

FIG. 43 is an exemplary interface of the nCash mobile applicationshowing different types of transactions, according to an embodiment ofthe invention.

FIG. 44 is an exemplary interface of the nCash mobile applicationshowing chats and payments interface, according to an embodiment of theinvention.

FIG. 45 is an illustration of the nCash mobile application features fordifferent types of accounts, according to an embodiment of theinvention.

FIG. 46 is an illustration of the evolution of Network FunctionVirtualization from virtual machines to containers.

FIG. 47 is an illustration of the Kubernetes architecture.

FIG. 48 is an illustration of the architecture of an application servicemesh.

FIG. 49 is an illustration of the architecture of a network servicemesh.

FIG. 50 is an illustration of an Application Service Mesh over a NetworkService Mesh, according to an embodiment of the invention.

FIG. 51 is an illustration of a Blockchain-Secured Service Mesh,according to an embodiment of the invention.

FIG. 52 is an illustration of the process for Logging Traffic onBlockchain through Bulletin Board Messaging Framework (BBMF) and GlobalVariable Name System (GVNS), according to an embodiment of theinvention.

FIG. 53 is an illustration of the Smart Contracts involved in theBlockchain-Secured Service Mesh, according to an embodiment of theinvention.

FIG. 54 is an illustration of the steps for detecting and mitigatingattacks (such as DDoS) with the Blockchain-Secured Service Mesh,according to an embodiment of the invention.

FIG. 55 is an illustration of the challenges and requirements forContainerized Network Functions (CNFs) at different layers, according toan embodiment of the invention.

FIG. 56 is an illustration of the multi-layer protection approach usinga Blockchain-Secured Application Service Mesh and Blockchain-SecuredNetwork Service Mesh, according to an embodiment of the invention.

FIG. 57 is an illustration of the multi-layer protection approach usingdifferent blockchains at different layers, according to an embodiment ofthe invention.

FIG. 58 is an illustration of the super-chain and sub-chains inmulti-layer protection approach, according to an embodiment of theinvention.

FIG. 59 is an illustration of BlockGrid architecture for multi-layerprotection, according to an embodiment of the invention.

FIG. 60 is an illustration of relationships between blocks on differentblockchains within the BlockGrid architecture, according to anembodiment of the invention.

FIG. 61 is an illustration of Blockchain Identity & Access Managementplatform, according to an embodiment of the invention.

FIG. 62 is an illustration of the interactions between the B-IAM systemand other blockchain networks and decentralized applications, accordingto an embodiment of the invention.

FIG. 63 is an illustration of Blockchain-Enabled Network & ApplicationService Mesh (BENASM), according to an embodiment of the invention.

FIG. 64 is an illustration of Blockchain-Enabled Network & ApplicationService Mesh with Identity (BENASMI), according to an embodiment of theinvention.

FIG. 65 is an illustration of cross-cluster/cross-domain connectivity,identity and observability with Blockchain-Enabled Network & ApplicationService Mesh with Identity (BENASMI), according to an embodiment of theinvention.

FIG. 66 is a schematic view of a microservices architecture according toan embodiment of the invention.

FIG. 67 is a representative view of dynamic allocation of resources in5G using virtualization and containerization according to an embodimentof the invention.

FIG. 68 is a schematic view of network slice coins according to anembodiment of the invention.

FIG. 69 is a schematic view of network slice management using ablockchain according to an embodiment of the invention.

FIG. 70 is a representation of a hierarchical consensus model in 5Gaccording to an embodiment of the invention.

FIG. 71 is a schematic view of a Service Based Architecture in 5Gaccording to an embodiment of the invention.

FIG. 72 is a schematic view of an implementation of shared,slice-specific, and unshared network functions for slices according toan embodiment of the invention.

FIG. 73 is an illustration of an exemplary S-NSSAI (Single Network SliceSelection Assistance Information) that uses blockchain-based sliceidentifiers according to an embodiment of the invention.

FIG. 74 is a schematic view of an augmented NRF, SCP and NEF networkfunctions with the inventive approach BENASMI according to an embodimentof the invention.

FIG. 75 is a schematic view of a process for data collection accordingto an embodiment of the invention.

FIG. 76 is a schematic view of offloading computational tasks accordingto an embodiment of the invention.

FIG. 77 illustrates a smart contract utilizing a data oracle accordingto an embodiment of the invention.

FIG. 78 depicts a method of authorizing a service mesh CNF API requestaccording to an embodiment of the invention.

FIG. 79 is a schematic view of an implementation of a slicecoinorchestrator according to an embodiment of the invention.

FIG. 80 depicts a method of creating a slice utilizing a slicecoinorchestrator according to an embodiment of the invention.

FIG. 81 illustrates an implementation of resource quotas by a slicecoinorchestrator according to an embodiment of the invention.

FIG. 82 illustrates an implementation of priority classes by a slicecoinorchestrator according to an embodiment of the invention.

FIG. 83 illustrates an implementation of using a slice template toinstantiate a slice by a slicecoin orchestrator according to anembodiment of the invention.

FIGS. 84 and 85 depict user interfaces of a slicecoin orchestratoraccording to embodiments of the invention.

FIGS. 86, 87, and 88 depict a process of creating a network clise and/ora microservices-based application utilizing a slicecoin orchestratoraccording to an embodiment of the invention.

FIG. 89 depicts a slicecoin smart contract according to an embodiment ofthe invention.

FIG. 90 depicts a private blockchain network setup according to anembodiment of the invention.

FIG. 91 depicts a Kubernetes dashboard on which network slices aredeployed according to an embodiment of the invention. FIG. 92 is aschematic view of the creation of different slicecoin smart contractsusing a slicecoin generator according to an embodiment of the invention.

DETAILED DESCRIPTION OF THE INVENTION

The present invention will now be described more fully hereinafter withreference to the accompanying drawings, in which preferred embodimentsof the invention are shown. This invention may, however, be embodied inmany different forms and should not be construed as limited to theembodiments set forth herein. Rather, these embodiments are provided sothat this disclosure will be thorough and complete, and will fullyconvey the scope of the invention to those skilled in the art. Those ofordinary skill in the art realize that the following descriptions of theembodiments of the present invention are illustrative and are notintended to be limiting in any way. Other embodiments of the presentinvention will readily suggest themselves to such skilled persons havingthe benefit of this disclosure. Like numbers refer to like elementsthroughout.

Although the following detailed description contains many specifics forthe purposes of illustration, anyone of ordinary skill in the art willappreciate that many variations and alterations to the following detailsare within the scope of the invention. Accordingly, the followingembodiments of the invention are set forth without any loss ofgenerality to, and without imposing limitations upon, the claimedinvention.

In this detailed description of the present invention, a person skilledin the art should note that directional terms, such as “above,” “below,”“upper,” “lower,” and other like terms are used for the convenience ofthe reader in reference to the drawings. Also, a person skilled in theart should notice this description may contain other terminology toconvey position, orientation, and direction without departing from theprinciples of the present invention.

Furthermore, in this detailed description, a person skilled in the artshould note that quantitative qualifying terms such as “generally,”“substantially,” “mostly,” and other terms are used, in general, to meanthat the referred to object, characteristic, or quality constitutes amajority of the subject of the reference. The meaning of any of theseterms is dependent upon the context within which it is used, and themeaning may be expressly modified.

Referring now to FIG. 1 a schematic diagram of a retail payments,loyalty rewards and peer-to-peer lending system that uses smartcontracts and blockchain, is described in more detail. A user 100 and amerchant 102 may complete a transaction through use of an applicationand presentation layer 104. The application and presentation layer 104may comprise a web interface 106 and/or a mobile application 108.Elements of the application and presentation layer 104 may be theclient-facing element of a platform/application services layer 110. Theplatform/application services layer 110 may comprise security features112, such as a user identity and access management system 114. Theplatform/application services layer 110 may further comprise integrationservices 116, such as, for example, a messaging service 118 or aconnector service for applications, cloud services, and token exchanges120. The platform/application services layer 110 may further compriseconfiguration management features 122. The configuration managementfeatures 122 may include an nCash portal 124, an incentives managementsystem 126, and a license manager 128. The platform/application serviceslayer 110 may further comprise accounting and transaction services 130,such as a change management framework 132, a token framework 469, anincentives disbursement framework 136, a lending framework 138, and annCash wallet 140. The platform/application services layer 110 mayfurther comprise data management and analytics services 142, such asanalytics and reporting systems 144, an incentives bidding system 146, aloan matching system 148, a recommendation system 150, and anadvertisement and promotions system 152. The platform/applicationservices layer 110 may function on an infrastructure layer 154 that maycomprise one or more of blockchain networks 156, decentralized storageplatforms 158, decentralized messaging platforms 160, or cloudinfrastructure 162, such as cloud computational resources, cloud storageresources, or cloud networking resources.

Referring now to FIG. 2 a process flow for retail payments where acustomer pays in cash and instead of receiving loose change back,receives the change as digital tokens (nCash coins—“NCC”) in the nCashmobile application, is described in more detail. Customer 200 pays forthe items purchased or rented at a store in cash at step 204. Customer200 opens the nCash app and displays a barcode of the customer's nCashaccount number at step 206. The merchant kiosk/application/point of saleapplication or hardware device that is aware of the nCash platform 202scans the barcode and an entry is added in the ledger to transfer thechange to the nCash account at step 208. At some periodic interval, forexample, at the end of the day, all the transactions to credit thechange to nCash accounts are processed by the payment system. Customer200 receives the change back in the nCash App at step 210.

Referring now to FIG. 3 a process flow for retail payments where acustomer pays in cash and instead of receiving loose change backreceives digital tokens from a merchant account in the nCash mobileapplication, is described in more detail. Customer 220 pays for theitems purchased or rented at a store in cash at step 224. Customer 220opens the nCash app and displays a QR code at step 226. The merchant/PoSagent 222 that has a mobile/tablet device with nCash mobile applicationinstalled scans the QR code and enters the change amount and transfersthe amount instantly from the merchant administrator or operator accountat step 228. Every PoS agent 222 has a Merchant nCash app to which somefixed amount is loaded by the store daily to pay as change. Customer 220receives the change back in the nCash App at step 230.

Referring now to FIG. 4 components of an nCash mobile application wallet250 are described in more detail. The nCash wallet 250 may comprise aFiat currency wallet 252, a cryptocurrency wallet 258, a coupons andvoucher management system 254, and ERC-20 token wallet 260, Escrowaccounts 256, and prepaid credit accounts 262. For making retailpayments, a portion or prepaid deposit in fiat or cryptocurrency wallets252, 258 can be considered. The wallet balance of one or both of thefiat and cryptocurrency wallets 252, 258 may be applied to Escrow 256 aswell where the payment sent by a customer to a merchant is held in anEscrow account and released when an order is fulfilled.

Referring now to FIG. 5 a process flow for QR-code based payment requestand authorization, is described in more detail. Customer 302 uses nCashmobile application to display a QR code containing customer's nCashwallet address and a one-time receive code at step 318. The QR code isscanned by a PoS machine 306 or nCash app with merchant account 308, anda request is sent including the customer address, the receive code, andthe amount to the nCash network 300 at step 316. The nCash network 300validates the receive code and sends a request to customer to authorizethe payment at step 312. Customer 302 authorizes the payment from thenCash app at step 314. A payment confirmation is sent to the PoS machine306 or nCash app with merchant account 308, at step 310.

Referring now to FIG. 6 a process flow for buying coins with credit ordebit card is described in more detail. Customer 350 sends a request toload an amount to nCash wallet using credit or debit card at step 356.The nCash network 352 requests for credit or debit card details ofcustomer 350 at step 358. Customer 350 enters credit or debit cardinformation in the nCash mobile application at step 360. The cardinformation is then sent to the fiat payment processor 354 directlywithout going through the nCash network 352 at step 360. The fiatpayment processor 354 validates the card information and generates atoken which is then sent to customer's nCash mobile application at step362. Customer 350 confirms the payment and sends a request containingthe card token and payment amount at step 364. The nCash network 352sends a request containing the token and the payment amount to chargethe card to the fiat payment processor 354 at step 366. The fiat paymentprocessor 354 charges the customer's card for the amount requested and apayment confirmation is sent to the nCash network 352 at step 368. ThenCash network 352 mints new coins (digital tokens defined in the nCashToken smart contract) and the token smart contract 370. The nCashnetwork 352 adds these new coins (digital tokens) the customer's nCashwallet account at step 372.

Referring now to FIG. 7 a process flow for buying coins with ACH BankTransfer is described in more detail. Customer 400 sends a request to annCash network 402 to load an amount to nCash wallet using ACH banktransfer at step 406. The nCash network 402 requests a temporary accountdetails from a fiat payment processor 404 at step 408. The fiat paymentprocessor 404 generates a temporary account and sends details about thetemporary account to the nCash network 402 at step 410. The nCashnetwork 402 then sends the temporary account details to the customer'snCash mobile application. Customer 400 sends a payment to the temporaryaccount using ACH bank transfer at step 414. On receiving the payment,the fiat payment processor 404 sends a payment confirmation to nCashnetwork 402 at step 416. The nCash network 402 mints new coins (digitaltokens defined in the nCash Token smart contract) and the token smartcontract 418. The nCash network 402 adds these new coins (digitaltokens) the customer's nCash wallet account at step 420.

Referring now to FIG. 8 a process flow for buying coins withCryptocurrencies is described in more detail. Customer 450 sends arequest to an nCash network 452 to load an amount to nCash wallet usingcryptocurrency at step 456. The nCash network 452 requests a temporaryaccount details from a crypto payment processor 454 at step 458. Thecrypto payment processor 454 generates temporary account and sends themto the nCash network 452 at step 460. The nCash network 452 then sendsthe temporary account details to the customer's nCash mobile applicationat step 462. Customer 450 sends a payment to the temporary account usinga cryptocurrency wallet at step 470. On receiving the payment, thecrypto payment processor 454 sends a payment confirmation to nCashnetwork 452 at step 472. The nCash network 452 mints new coins (digitaltokens defined in the nCash Token smart contract) and the token smartcontract 480. The nCash network 452 adds these new coins (digitaltokens) the customer's nCash wallet account at step 482.

Referring now to FIG. 9 a process flow for withdrawing coins to a linkedbank account is described in more detail. Customer 500 sends a requestto a nCash network 502 to withdraw a certain amount of tokens tocustomer's linked bank account in a bank 506 at step 508. On receivingthe withdrawal request the nCash network 502 burns coins equivalent tothe withdrawal amount from the customer's account and updates the tokensmart contract 510. The nCash network 502 then sends a transfer requestto the fiat payment processor 504 at step 512. The withdrawal amount iscredited by the fiat payment processor 504 to the customer's linked bankaccount at the bank 506 at step 514. The fiat payment processor 504 thensends a transfer confirmation to nCash network 502 at step 518. Awithdrawal confirmation is then sent to customer 500 at step 520.

Referring now to FIG. 10 examples of smart contracts involved in thenCash retail payments, loyalty rewards, and peer-to-peer lendingplatform are described in more detail. The nCash blockchain network 588is a distributed ledger which maintains records of all the transactionson the nCash network. Users 554 interact and transact with theblockchain network 588 through Externally Owned Account (EOAs) 550,which are owned and controlled by the users. Each EOA 550 has an accountaddress 556, account public-private keys 558 and a balance 560 (incertain units of a Cryptocurrency associated with the Blockchainnetwork) associated with it. EOAs do not have any associated code. EOAsmay interact 564 with bank accounts 552 also owned 566 by the user 554via third party exchanges operable to exchange cryptocurrencies for fiatcurrency, which may be deposited in or withdrawn from the bank account552.

All transactions on a blockchain network are initiated by EOAs. Theseaccounts can send transactions to other EOAs or contract accounts.Another type of accounts support by second generation programmableBlockchain platforms are the Contract Accounts. Smart contracts 570contain the contract code which control the associated contractaccounts. The smart contracts 570 are deployed on the blockchain network588. The smart contracts 570 involved in the nCash network are asfollows:

-   -   Token Contract 572: Token Contract provides the nCash token        definition including token name, symbol, decimal places, token        supply, method for token transfer, and method for checking token        balance of an account.    -   Token Distribution Contract 580: Token Distribution Contract        defines the token distribution and pricing model and contains        methods for purchasing and claiming tokens, and methods for        withdrawing token sale proceeds.    -   Incentives Contract 574: Incentives Contract defines the        incentives and triggers and methods for distributing incentives.    -   Bidding Contract 582: Bidding Contract defines the bidding        mechanism for allowing merchants to compete, bid, or pay for the        right to add incentives.    -   Loan Smart Contract 576: Loan Smart Contract is used to enforce        loan terms, manage release, repayment or extension of loans.    -   Identity Smart Contract 584: Identity Smart Contract is used to        link blockchain accounts to real users (borrowers or lenders).    -   Credit Rating & Reputation Smart Contract 578: Credit Rating &        Reputation Smart Contract is Used to track credit scores and        reputation of borrowers.    -   Collateral Smart Contract 586: Collateral Smart Contract is used        to manage locking up and release of collateral, such as        cryptocurrency tokens or physical assets which may be        represented in a tokenized form.

Referring now to FIG. 11 a process flow for peer-to-peer lending isdescribed in more detail. A borrowing peer (borrower) 600 creates afirst transaction smart contract in the form of a loan request at step606. The lending platform 602 advertises the loan requests to thelending peers (lenders) 604 at step 616. The lending platform 602 mayacquire a credit rating 612 associated with the borrowing peer 600 andinclude the credit rating with the request. The lending peers 604 bidfor loans by sending second transaction smart contracts in the form ofloan offers to the lending platform 602 at step 620. The borrowing peer600 selects the best offer and the loan amount is sent to the borrowingpeer at step 610. The borrowing peer 600 repays the loan amount plus theinterest and lending platform fees to the lending platform 602 at step608. The lending platform 602 returns the loan amount plus the profit tothe lending peer 604 at step 618. The lending platform 602 may issueloyalty points 614 to borrowing peers 600 and lending peers 604 uponsuccessful repayment of loans, to incentivize the borrowing and lendingpeers 600, 604 to use the lending platform again for borrowing andlending.

Referring now to FIG. 12 a schematic diagram of the blockchain-basedpeer-to-peer lending system is described in more detail. Theblockchain-based peer-to-peer lending system allows borrowing peers orborrowers 652 to send loan requests to a platform 650 which areadvertised to lending peers or lenders 656. Lenders 656 can bid to senda loan at a particular rate and terms, including settlement date, thatis enforced by a loan smart contract 668 deployed on a blockchainnetwork 678. The lending platform 650 can co-exist with an electronicpayments platform. A Borrowers 652 post loan requests to the platformand rates they can pay and lenders bid for loans with terms and rates.Platform 650 allows borrowers 652 to automatically repay loans fromtheir nCash mobile application wallets (Borrower Crypto wallet) 662 orextend loan for another term if agreed to. Platform 650 can disburseloans in fiat or crypto currencies. When a loan is disbursed, the loanamount is transferred from the Lender Crypto wallet 672 (nCash mobileapplication wallet of the lender) to the Borrower Crypto wallet 662(nCash mobile application wallet of the borrower). The interest rate isdriven by the market. Higher risk means larger rate. Platform 650 maycharge a percentage of the interest rate on every transaction. BorrowerIdentity Smart Contracts 658 comprised by the platform 650 maintain theidentity information of the borrowers 652. Lender Identity SmartContracts 670 comprised by the platform 650 maintain the identityinformation of the lenders 656. Borrower Reputation and Credit RatingSmart Contracts 660 comprised by the platform 650 maintain thereputation information of the borrowers 652 and their credit ratings.Collateral Smart Contracts 664 comprised by the platform 650 maintaincollateral information for the loans. A reputation system andcollaterals for loans makes the lending process more reliable. Thelending platform 650 uses smart contracts to create a credit rating andreputation system for borrowers. Each repayment and successful loan addspoints to the borrower's credit rating and if a loan is not repaid thenpoints are deducted from the borrower's credit rating. Such payments maybe transferred to a cryptocurrency wallet 672 for the lender 656. If aborrower 652 requesting a loan does not repay as per conditions theircredit rating/reputation drops and lenders 656 will charge extremelyhigh rates and higher guarantees for any subsequent loan requests. Theamount of loans could be against a collateral account by the borrower652 or having pledges from guarantor 654 or other peers that they willguarantee a certain portion of loan. The risk score gets lower of aborrower has pledges to support him. If risk score suddenly changesexisting lenders get an alert that they can opt for a higher rate or ashorter repayment term. This forces the borrower to borrow wisely toprotect against these margin calls. Loans issued through the platform650 may be secured (backed by collateral) or unsecured. A MatchingEngine 666 of the platform 650 matches loan requests to loan offers andconnects the borrowers to lenders. The platform matches borrowers tolenders by risk reputation, loan value and interest terms. For securedloans, borrowers 652 or their guarantors 654 may present collateral inthe form of Cryptocurrency Tokens or Tokenized Assets. WhenCryptocurrency Tokens are presented as collateral such tokens aretransferred by the borrower to a collateral contract where the tokensare held until the loan is not repaid. When the loan is repaid, thetokens are released to the borrower 652. If the loan in not repaid, thetokens are released to the lender 656. Physical assets (such as gold,diamonds, real-estate property) may be tokenized and presented as acollateral. For such cases, a third party may be engaged to verify thephysical assets or keep the assets in their possession till the loan isrepaid. The lending platform 602 may issue loyalty points 614 toborrowing peers 600 and lending peers 604 upon successful repayment ofloans, to incentivize the borrowing and lending peers 600, 604 to usethe lending platform again for borrowing and lending.

Referring now to FIG. 13 the multi-signature collateral contract used bythe peer-to-peer lending system shown in FIG. 12 is described in moredetail. Collateral tokens are stored in a multi-signature walletcontract 700. Borrower 702, Lender 706, Lending Platform 704 andoptional third-parties 708 hold keys to the multisig wallet contract700. The contract requires M-of-N signatures, typically a majority,(e.g. 2-of-3 or 3-of-5) to release collateral.

Referring now to FIG. 14 a process flow for the chaining of loans isdescribed in more detail. The lending platform supports chaining loanswhere a borrowing/lending peer who has a good credit rating can borrowat low interest rates and lend to one or more peers who have low creditrating at higher interest rates. For example, Peer C 752 has good creditrating and sends a loan request 760 and borrows 762 from Peer D 754 atlow interest rates. Peer C 752 receives loan requests 758, 766 fromPeers A and B 750, 756 who have low credit rating or risk profile, andthen send loans 764, 768 to Peers A and B 750, 756, respectively, athigher interest rates. A loan can be partitioned into subloans withdifferent terms. Lenders can fund a portion or fraction of a loanrequest. Thus a loan could be satisfied with a dozen microloans each atdifferent rates. For example, once a big lender jumps in for 30% ofloan, small lenders can jump in to lend at a lower interest rate. Aborrower with low risk can float a loan but open only 25% for bid to ahigh value lenders (such as institutions or banks). The borrower maythen open up the loan to the smaller lenders who know the high valuelenders will have vetted this borrower. Lending peers can buy a bundleof loans at a particular risk for a price or resell loans. The lendingplatform allows creating a market for users to buy, pool and resellloans. The lending platform may allow a loan to be written off ifcertain conditions may be met. For example, if a philanthropist funds aclinic and they treat five hundred patients in a month, then their loanscan get a reduced rate, or if a farmer creates two jobs his loan may beforgiven.

Referring now to FIG. 15 a process for lending with cryptocurrency ortokens as collateral where the borrower successfully repays the loan isdescribed in more detail. A Borrower 800 creates a loan request withamount requested and loan terms at step 808. The lending platform 802creates a loan contract 810 and advertises the loan request to lendersat step 812. A Lender 804 agrees to fund the loan at step 814. Next, theBorrower 800 deposits cryptocurrency or tokens as collateral in acollateral contract 818 at step 816. The Lender 804 funds the loan atstep 820. The loan amount is released to the Borrower 800 at step 822.The Borrower 800 pays loan installments to the Lending Platform 802 atsteps 824 and 828 which are released to the Lender 804 at steps 826 and830. When the loan repayment is complete, the Collateral is released tothe Borrower 800 at step 832, such release being recorded to thecollateral contract 818.

Referring now to FIG. 16 a process for lending with cryptocurrency ortokens as collateral where the borrower fails to repay the loan, isdescribed in more detail. A Borrower 850 creates a loan request on alending platform 852 with an amount requested and loan terms at step858. The lending platform 852 creates a loan contract 860 and advertisesthe loan request to lenders at step 862. A Lender 854 of N lenders 856to whom the loan request is advertised agrees to fund the loan at step864. Next, the Borrower 850 deposits cryptocurrency or tokens ascollateral in a collateral contract 868 at step 866. The Lender 854funds the loan at step 870. The loan amount is released to the borrowerat step 872. When the Borrower 850 fails to repay the loan as indicatedat step 876, the Collateral is released to the Lender at step 874.

Referring now to FIG. 17 a process flow for lending with physical assetsas collateral, is described in more detail. A Borrower 902 creates aloan request on a lending platform 904 with an amount requested and loanterms at step 858. The lending platform 904 creates a loan contract 910and advertises the loan request to lenders at step 912. A Lender 906agrees to fund the loan at step 914. Next, the Borrower 902 transfersphysical assets (such as gold, diamonds or title to real-estateproperty) to a Third Party 900 at step 916. The Third Party 900tokenizes the assets and transfers the tokens to the borrower at step918. The Borrower 902 deposits these tokens as collateral to the lendingplatform 904 in a Collateral Contract 922 at step 920. The Lender 906funds the loan at step 924. The loan amount is released to Borrower atstep 926. The Borrower repays the loan installment to the lendingplatform 904 at step 931 and the funds are released to the lender 906 atstep 930. When the loan repayment is complete the lending platform 904releases the Collateral (tokens) is released to the Borrower 902 at step932. Next, the Borrower 902 transfers tokens to the third-party 900 atstep 934. The third-party 900 then returns the physical assets to theBorrower 902 at step 936.

Referring now to FIG. 18 transaction fees involved for buying andselling of nCash coins is described in more detail. nCash coins can bepurchased by paying in a fiat currency (such as USD) using credit/debitcard 950 or ACH bank transfer 952, or by paying in a cryptocurrency 954(such as Bitcoin, Ether). There are different transaction fees forbuying coins with credit/debit card 960, ACH bank transfer, whetherautomated through an app 962 or manually 964, or cryptocurrency 970. Fortransactions between the nCash network 956 (such as sending coins toanother user or merchant) does not involve any transaction fee. Forselling coins and withdrawing coins to a linked bank account 958, atransaction fee. for automated transactions through an app 866 or manualtransactions 968. is involved.

Referring now to FIG. 19 an illustration of smart contracts related tothe lending platform and the interactions of borrowers and lenders withthe smart contracts is described in more detail. An Identity SmartContract 1012 is used to link blockchain accounts to real users, such asan account of a borrower 1000 or a lender 1002. The identity informationprovided by the borrower 1000 at step 1004 is recorded in the identitysmart contract 1012 in original or hashed form. Similarly the identityinformation provided by the lender 1002 at step 1020 is recorded in theidentity smart contract 1012 in original or hashed form. A Credit Rating& Reputation Smart Contract 1014 is used to track credit scores andreputation of a borrower 1000. The credit score of the borrower 1000 isrecorded at step 1006 and updated on each new loan request, loanrepayment or loan default. A Collateral Smart Contract 1016 is used tomanage locking up and release of collateral, such as cryptocurrencytokens or physical assets which may be represented in a tokenized form.The borrower 1000 deposits the collateral tokens to the collateral smartcontract 1016 at step 1008. A Loan Smart Contract 1018 is used toenforce loan terms and manage release, repayment or extension of loans.The information related to the borrower's 1000 loan requests, loandisbursement received or loan repayment completion is recorded in theloan smart contract 1018. Similarly, the information related to thelender's 1002 loan offers, loan disbursement completion, or loanrepayment received is recorded in the loan smart contract 1018. Thesmart contracts 1012, 1014, 1016 and 1018 are deployed on the blockchainnetwork 1026.

Referring now to FIG. 20 an illustration of a process for issuingcashback and discounts using smart contracts, is described in moredetail. A customer 1050 makes a transaction to a merchant with couponcode meeting cashback or discount conditions at step 1052. An incentivessmart contract 1054 checks cashback or discount rules comprised therebyand triggers a cashback or discount if the transaction meets thecashback or discount criteria at step 1056. When a cashback or discountis triggered, the token contract 1058 is updated and tokens aretransferred from the merchant's account to the customer's account. Thecustomer 1050 receives a cashback or discount notification at step 1060.The smart contracts 1054 and 1058 are deployed on the blockchain network1064 at step 1062.

Referring now to FIG. 21 an illustration of the peer-to-pool-to-peer(P2P2P) lending model, is described in more detail. The lenders 1100,1102, 1104 contribute to a lenders pool 1108 with conditions. A lender'scondition to lend money may include the amount to lend, the duration ofthe loans, expected returns, and loan settlement dates. The loans aredistributed from the lenders pool 1108 with conditions. Borrowers 1118,1120, 1122 may submit borrower's requests 1114 from the lenders pool1108 through a lending platform 1110. Each borrower request may comprisethe borrower's conditions for a loan. A borrower's condition forborrowing money may include the amount to borrow, the duration of theloan, and an acceptable interest rate.

A matching engine 1112 in the lending platform 1110 uses smart contracts1116 to ensure the high level (pool level) and low level (borrower andlender) constraints are satisfied. A borrower's requests to borrow moneyare matched automatically to the lenders 1100, 1102, 1104 and lendingpool's 1108 conditions using smart contracts 1116. Each lender pool(such as pool 1108) is represented by a smart contract (such as smartcontract 1124) in the lending platform 1110 which controls the poollevel behavior and handles conditions such as different time periods andexpected returns for the lenders 1100, 1102, 1104 and substitution oflenders who exit the pool 1108 with new lenders, as some of the lendersto the pool 1108 may have different time periods and they will exit andbe substituted by new lenders. Loans are distributed from lender pools1108 with conditions.

The peer-to-pool-to-peer (P2P2P) lending model is more efficient thanthe existing peer-to-peer (P2P) lending models, especially when thereare large number of lenders/investors who want to lend loans. Eachlender/investor contributes a different amount of money and specifiesthe minimum interest they would like to receive and the period of theirloan amounts. Similarly, the borrowers specify similar terms such as theamount of money to borrow, duration and acceptable rate of interest. Inthe P2P2P lending model the lender's money is pooled into one lendingpool and then lent out to multiple borrowers, while smart contractsassure payouts to lenders and payments to borrowers, while some lendersexist and some borrowers' payback. This allows the “pool” of money thatis used for lending, while at the lower level smart contracts ensure alllower agreements are kept. Lenders' and borrowers' contributions andwithdrawals continually occur, while the pool remains active as newborrowers and lenders join and others may leave. A lender may end uplending to N loans and a borrower may end up borrowing from M lendersover a period where only P lenders are active at any time (where M>N andM>P). The smart contracts are thus critical to maintain the integrity ofthe records. In the P2P2P lending model, the transactions for poolsmerge lower level transactions between peers inside the blockchain.

Furthermore, it is contemplated and included within the scope of theinvention that a variety of loans may be executed utilizing this systemsand other systems disclosed herein. The types of loans requested byborrowers, and offered by lenders, may include larger value loans, suchas those typically offered by banks, but may also include smaller valueloans, including those for individual consumer transactions (e.g. aroutine, daily transaction for the purchase of consumer goods,groceries, etc.) performed at a merchant terminal. Additionally, loanrequests may also take the form of other transfers of value aside fromfiat currency, such as requests for cryptocurrency, credit towards afuture transaction, an exchange of tokens having value, and the like.

Additionally, while loans comprising amounts to lend are contemplated,other types of financial securities are contemplated and included withinthe scope of the invention. More specifically, security offers may bereceived from offerors and comprising offer terms, and security sellerrequests may be received from sellers and comprising seller terms. Thesecurity offers may be recorded to security offer smart contracts, whichmay then be recorded to security offer pool smart contract, definingsecurity offer pools, the same as for lending pools. The terms of thesecurity offers may define the security offer pool terms. The terms ofthe security seller may be compared to the security offer pool termsand, upon determining the security seller terms fall within the securityoffer pool terms, the security seller request smart contract may berecorded to the security offer pool smart contract.

Such securities include, but are not limited to, options contracts. Insuch embodiments, a buyer option may be received and recorded to a buyeroption smart contract, which may include at least one offer term whichmay comprise at least one of a designation of the asset associated withthe buyer option smart contract, a quantity of the associated asset, anexpiration date, a transaction type (e.g. a call or put, as known in theart), and/or a strike price or range of strike prices for the asset.Such a buyer option smart contract may be recorded to a blockchainnetwork similar to the recordation of lender smart contracts describedhereinabove. Similarly, a seller option may be received and recorded toa smart contract may comprise the same fields as the buyer option, withthe seller being obligated to either sell the associated asset at thestrike price in exchange currency, fiat or crypto, at the strike priceon the expiration date for a call, or purchase the associated asset atthe strike price using currency, either fiat or crypto, on theexpiration date for a put.

Additionally, security offers may be received and interpreted todetermine their type (e.g. loan, offer, etc.) with the determinedsecurity offer type being recorded to the associated security offersmart contract. Similarly, security seller requests may be received andhave their type determined, the determined security seller type beingrecorded to the associated security seller smart contract. An indicationof the security offer types and the security seller requests may berecorded to the respective associated security offer smart contracts andsecurity seller request smart contracts.

Referring now to FIG. 22 an illustration of a lending pool generator forgenerating lending pool smart contracts is described in more detail.Each lender 1200, 1202, 1204 contributes 1206 to a lending pool withconditions including the amount of money to lend, duration of lendingand expected returns. Lenders 1200, 1202, 1204 can have differentconditions and may contribute to one or more lending pools. A lendingpool smart contract generator 1208 is used to generate smart contracts1210, 1212, 1214 which represent the lending pools.

Referring now to FIG. 23 an illustration of a matching engine formatching borrowers to lending pools is described in more detail. Eachborrower 1250, 1252, 1254, 1256 requests money with conditions includingthe amount of money to borrow, duration for which money is to beborrowed and acceptable rate of interest. A matching engine 1258 matchesthe borrowers 1250, 1252, 1254, 1256 to lending pool smart contracts1260, 1262, 1264 such that the borrower level and pool level conditionsare satisfied. A borrower 1250, 1252, 1254, 1256 may be matched to morethan one lending pool.

Referring now to FIG. 24 an illustration of feeding external data tolending pool contracts using an oracle is described in more detail.Lending pool and related smart contracts 1304 are deployed on ablockchain network 1306. An oracle 1302 is used to feed in external ordynamic information (such as exchange rates, market value of collateral)to the lending pool smart contracts. The oracle 1302 may obtain suchinformation from external sources and the web 1300.

Referring now to FIG. 25 an illustration of channels and triggers forlending pools is described in more detail. Lending pools 1324, 1326,1328 comprising Lenders 1320 and distributing to Borrowers 1330 can havechannels 1332, 1334 between them for transfer of pooled funds betweenthe pools based on external triggers 1322. Moving funds from one pool toanother pool may be required when a pool is not performing well and thehigh-level (pool-level) and low-level (lender and borrower level)constraints are not being satisfied. The P2P2P lending platform maymonitor the performance of each lending pool and generate triggers fortransfer of funds from one pool to another.

Referring now to FIG. 26 an illustration of the smart contracts involvedin a lending pool is described in more detail. Each lender 1352 isrepresented by an individual smart contract 1358 in the lending pool1350. Similarly, each borrower 1354 is represented by an individualsmart contract 1360 in the lending pool 1350. The lender smart contracts1358 link lenders 1352 to the lending pool 1350 via the lending poolcontract 1356. The borrower smart contracts 1360 link borrowers 1354 tothe pool lending 1350 via the lending pool contract 1356. There is nodirect link between the lenders 1352 and borrowers 1354 like traditionalsmart contracts used in blockchain based peer-to-peer lending solutions.

In current lending schemes (especially computer-implemented lendingschemes or blockchain based peer-to-peer lending schemes), if there area large number of investors in a lending pool, each specifying aninvestment amount they would like to invest, the rates they would liketo receive in combination with time periods (such as 2.3% over 3 months,or 2.2% over 6 months) and with various exit strategies, and largenumber of borrowers specifying various terms and repayment periods andearly payoff options, the following problems arise:

-   -   Manual reconciliation is not possible when the number of active        and passive investors enter and leave the pool.    -   A scalable and secure solution is not possible.

Abstracting the lenders and borrowers with “linked” smart contracts in alending pool solves the problems of manual reconciliation andscalability. Additionally, this approach provides the followingbenefits:

-   -   Borrowers with good credit may borrow at better rates and lend        to other borrowers with bad credit with the borrowed money at        higher rates.    -   A seamless lending environment can be created with options to        borrow or lend at certain rates and offer these derivatives for        trading as well.

Referring now to FIG. 27 an illustration of pool-of-pools comprised ofmultiple lending pools, is described in more detail. Multiple lendingpools can be clubbed together to create a pool-of-pools. Thepool-of-pools approach is beneficial for highly volatile pools in whichborrowers and lenders keep entering and exiting and it is difficult tomeet the high-level (pool-level) and low-level (lender and borrowerlevel) constraints. Combining multiple pools into a pool-of-pools bringsstability to the P2P2P lending platform. A pool-of-pools approach maycomprise a plurality of lending pools 1402, 1404, 1406, 1408 that eachinteract with a pool of pools 1400. Each of the plurality of lendingpools 1402, 1404, 1406, 1408 may comprise borrower smart contracts withrespective borrowers 1412, 1420, 1424, 1428 and lender smart contractswith respective lenders 1410, 1418, 1422, 1426. Additionally, someborrowers 1416 and lenders 1414 may interact directly with the pool ofpools 1400.

Referring now to FIG. 28 an illustration of lending pool smart contractstructures and transactions is described in more detail. A contractowner (or the lending platform) 1522 creates and owns 1520 a lendingpool contract 1500. The lending pool contract 1500 is created from anexternally owned account (EOA) 1518 of the contract owner (or thelending platform) 1522 when a create contract transaction 1510 isperformed by the EOA 1518 thereby creating 1502 the lending poolcontract 1500. Lenders 1524 use their EOAs 1528 to send transactions1532 to the lending pool contract 1500. A lender 1524 can join 1506 alending pool by sending a joinPool transaction 1514. Borrowers 1526 usetheir EOAs 1530 to send transactions 1534 to the lending pool contract1500. A borrower 1526 can repay a loan 1508 taken from the lending poolby sending a repayLoan transaction 1516.

Referring now to FIG. 29 an exemplary classification of lending poolsbased on their risks and returns is described in more detail. Lendingpools are classified based on their risks and returns. The lending poolswith lower risk have lower returns and the lending pools with higherrisk have higher returns. The risk level for a lending pool is computedbased on the reputation and credit scores of the borrowers and lenderslinked to the pool. The pools which lend money to borrowers with highcredit scores usually lend at low rates of interest as these loans areconsidered to be safe. Similarly the pools which lend money to borrowerswith low credit scores usually lend at high rates of interest as theseloans are considered to be risky. In some embodiments, the loan risk maybe categorized as low, medium, and high, and the returns may also becharacterized as low, medium and high. This may result in risk-rewardcategories of low risk-high returns 1600, medium risk-high returns 1602,high risk-high returns 1604, low risk-medium returns 1608, mediumrisk-medium returns 1618, high risk-medium returns 1620, low risk-lowreturns 1612, medium risk-low returns 1614, and high risk-low returns1616. Most lending pools will fall into one of low risk-low returns1612, low risk-medium returns 1608, medium risk-medium returns 1618,medium risk-high returns 1602, and high risk-high returns 1604.

Referring now to FIG. 30 an illustration of an alliance of merchantswith interoperable loyalty points is described in more detail. Customers1150 and 1152 make payments 1154 at affiliated merchant stores 1156using nCash. The merchant payments are processed 1158 by the nCashnetwork 1160. Customer's receive loyalty points that work at anymerchant in the alliance or network or affiliated merchants 1156. Theseloyalty points are interoperable across all the merchants in thealliance and can be applied towards a discount for the next purchase.

Referring now to FIG. 31 an illustration of a distributed messagingframework, is described in more detail. The distributedpublish-subscribe messaging framework described here is referred to asBulleting Board Messaging Framework (BBMF) or “Bulletin Board”. TheBulletin Board Server 1678 manages Topics 1680, 1682. Bulletin BoardClients can be Publisher/Producer Clients 1670, 1672 orConsumer/Subscriber Clients 1688, 1690. The Publisher/Producer Clients1670, 1672 publish data or messages to Topics 1680, 1682. Data pushed tothe topics 1680, 1682 from the Publisher/Producer Clients 1670, 1672 mayoriginate from data sources 1650, which may comprise smart contracts1652, oracles 1654, logs 1656, sensors 1658, records 1660, databases1662, streams 1664, and events 1668. Consumer/Subscriber Clients 1688,1690 consume data from the Topics 1680, 1682, receiving messages 1684,1686 from the Bulletin Board Server 1678. Bulletin Board Server 1678supports a plug-in Message Storage Backend 1692 to store and replaymessages. The Message Storage Backend 1692 persists the messages usingtwo options: (1) a Cloud Database or Cloud Storage 1694, (2)Decentralized Storage Platform (such as IPFS or Swarm) 1698 with regularcheckpointing of message hashes to a Blockchain 1696. Messages in theBulletin Board can be either Ephemeral or Persistent. Ephemeral messagesare not stored by the Message Storage Backend. For Persistent messagesTime-to-Live (TTL) can be specified. The Producers and Consumers supportboth Cloud and Blockchain protocols such as HTTP-REST or Web3 forEthereum. This allows existing Smart Contracts (such as Solidity smartcontracts) to publish and consume data to/from the Bulletin board, andexisting Oracles to feed-in data from the web to the smart contractsthrough the Bulletin board. A smart contract implemented in the Soliditylanguage, for example, is a data source which generates notifications inthe form of Solidity events which are published to the Bulletin Boardserver by a Publisher Client. Solidity smart contracts require anexternal Publisher Client to publish messages to the Bulletin board.Extensions to smart contract languages such as Solidity may beimplemented to support Bulletin board APIs to publish data without theneed for an external publisher client. These extensions and/or stubs canbe through use of pragma directives that may be pre-processed bypre-processors to generate suitable code for implementing the interfacesto the bulletin board, or they could involve extensions to the languageitself to support global variable names. Topics are managed in-memorywith regular snapshots on the disk which are later stored in the MessageStorage Backend 1692. A compaction process is defined for moving themessages in the snapshots to the Message Storage Backend 1692 (Cloudand/or Blockchain). The Bulletin Board itself may be implemented in partthrough use of a cloud-based service and/or a blockchain and may alsoinclude hardware accelerators (such as ASICs or FPGAs) and graphicalprocessing units (GPUs) to provide this high throughput low latencyservice. Additional redundancy, authorization, and encryption layers mayalso be provided in hardware and software using known techniques forcloud and internet networks to secure the messages and values storedfrom system failures or hacking attacks.

The BBMF is designed for high throughput and low latency messaging. TheBulletin Board server 1678 can be deployed in a cloud computingenvironment and scaled either vertically or horizontally based ondemand. In vertical scaling larger virtual machine instance size (interms of compute capacity, memory and storage) is used for the BulletinBoard server. In horizontal scaling multiple instances of the BulletinBoard server are launched with each instance managing a subset of thetopics managed by the Bulletin Board.

BBMF supports both push/pull and publish/subscribe data ingestion modelsand data delivery models. Furthermore, the data delivery may be eitherat-least once delivery or exactly-once delivery. BBMF can be implementedin hardware and software, using a combination of servers, ASICs/FPGAsand GPUs as part of a cloud-based or a locally configured computingsystem.

As Bulletin Board is a distributed messaging framework, a trade-offexists between consistency and availability. This trade-off is explainedwith the CAP Theorem, which states that under partitioning, adistributed data system can either be consistent or available but notboth at the same time. Bulletin Board adopts an eventually consistentmodel. In an eventually consistent system, after an update operation isperformed by a writer, it is eventually seen by all the readers. When aread operation is performed by a consumer, the response might notreflect the results of a recently completed write operation.

The Bulletin Board messaging framework supports prioritized processingof messages. The priority can be set in the message header field.Various priority classes for messages can be defined and specified inthe priority header field. This priority classification of messages iscrucial for the Peer-to-Pool-Peer (P2P2P) lending system when a largenumber of updates have to be propagated to linked smart contracts in thelending system.

Referring now to FIG. 32 an illustration of the consumer/subscriberactions supported in the publish-subscribe messaging framework aredescribed in more detail. For Consumers or Subscribers 1708 variousactions Rules & Triggers 1710 and Actions 1712 can be defined. Rules &Triggers 1712 specify how to filer and select data and trigger actions.The supported actions 1716 include Smart Contract Transaction 1718,Webhook Trigger 1720, Log to External Data Store 1722, EmailNotification 1724, SMS Notification 1726, and Mobile Push Notification1728. An action is performed when a message 1706 matching a rule isreceived (for example temperature >60 or ETH price <$500) from theBulletin Board Server 1700, being related to one of the Topics 1702,1704 managed by the Bulletin Board Server 1700. The message may betransmitted to the Consumer or Subscriber Client 1708 by any means ormethod known in the art, including, but not limited to, HTTP/RESTapplications and WebSocket. The smart contract transaction action isparticularly useful for the P2P2P lending system described above where alarge number of linked smart contracts (such as smart contracts in alending pool) can be executed when a message notifying a change in thelending conditions is received.

Referring now to FIG. 33 an illustration of a smart contract data sourcethat uses an external publisher client to publish messages to thepublish-subscribe messaging framework is described in more detail. Asmart contract data source 1800 such as a Solidity smart contractgenerates notifications or events 1802. A publisher/producer client 1804watches for the notifications or events generated by the smart contract1800. When a notification or event is generated, the messages arepublished 1806 to the topics 1810, 1812 managed by the Bulletin Board1808. These messages are delivered 1814 to the consumer/subscriberclient 1816 which has subscribed to the topics 1810, 1812. Theconsumer/subscriber client 1816 has a smart contract transaction actionconfigured which sends transactions 1818, 1820 to the linked smartcontracts 1822, 1824 on receiving the messages.

Referring now to FIG. 34 an illustration of a smart contract data sourcethat uses an integrated publisher client to publish messages to thepublish-subscribe messaging framework, is described in more detail. Asmart contract data source with integrated publisher/producer client1850 generates notifications or events. The notifications or events arepublished as messages 1852 to the topics 1856, 1858 managed by theBulletin Board 1854. These messages are delivered 1860 to theconsumer/subscriber client 1862 which has subscribed to the topics 1856,1858. The consumer/subscriber client 1862 has a smart contracttransaction action configured which sends transactions 1864, 1866 to thelinked smart contracts 1868, 1870 on receiving the messages.

Referring now to FIG. 35 an illustration of the message format for thepublish-subscribe messaging framework is described in more detail. TheMessage Type field 1750 defines the type of the message. Supportedmessage types in the Bulletin Board framework are as follows:

-   -   CONNECT: A CONNECT message is sent by a client (producer or        consumer) to connect to the server.    -   DISCONNECT: A DISCONNECT message is sent by a client to        disconnect from the server.    -   PUBLISH: Used to publish a new message    -   SUBSCRIBE: Used to subscribe to a topic managed by the Bulletin        Board    -   UNSUBSCRIBE: Used to unsubscribe from a topic    -   PINGREQUEST: Used to send a ping request to the server    -   PINGRESPONSE: Used to respond to a ping request    -   DATAREQUEST: Used to request a message or data item    -   DATARESPONSE: Used to respond to a request for a message or data        item.

The Data Payload field 1752 includes the message as a JSON data payload.The message may be signed by the sender and/or encrypted. The Topicsfield 1754 includes a list of topics to which the message is published.The Headers field 1756 includes headers such as:

-   -   Sender or receiver identity    -   Message signature    -   QoS Level    -   Priority    -   Persistent or Ephemeral message    -   Additional flags to help in processing of message

The Time-to-Live (TTL) field 1758 is used to specify the validity orlife of the message. The Nonce field 1760 is an integer value which canbe used to prove that a given amount of work was done in composing themessage.

Referring now to FIG. 36 an illustration of a blockchain checkpointingapproach in the publish-subscribe messaging framework, is described inmore detail. When using Blockchain and Decentralized Storage Platform(IPFS or Swarm) based Message Storage Backend, the messages 1780 arehashed 1782 and are added to a Merkle Tree 1784. The root hash 1786 ofthe Merkle Tree 1784 (after every N messages) is recorded on theBlockchain 1788. This ensures messages cannot be tampered with later.

Referring now to FIG. 37 an illustration of a global variable namesystem being updated by a consumer of the publish-subscribe messagingframework, is described in more detail. The Global Variable Name System(GVNS) 1916 maintains records of global variables and the owners andresolvers for the global variables. Data sources 1900 such as a smartcontract, oracle, log, sensor, record, database, stream or event,produce data or notifications which are sent to a publisher/producerclient 1902. The publisher/producer client 1902 publishes the data ornotification as a message 1904 to one or more topics 1908, 1910 managedby the Bulletin Board server 1906. The consumer/subscriber client 1914receives the messages 1912 and updates the value of global variablesregistered in the GVNS 1916. Smart contracts 1918, 1920, 1922 referencethe global variable registered in the GVNS 1916.

Referring now to FIG. 38 an illustration of the architecture of a globalvariable name system, is described in more detail. The Global VariableName System (GVNS) 1950 comprises Registrar 1952, Registry 1954 andResolver 1956 components. The Registrar 1952 is responsible forregistering new variable names, updating the resolver for a variablename, and transferring the ownership of a variable. The Registry 1954 isresponsible for recording the owner and resolver of a variable name, andreturning the resolver for a variable name. The Resolver 1956 isresponsible for resolving a variable name to a value and updating thevalue of a registered variable. The steps involved in registering aglobal variable in the GVNS 1950, updating the variable and retrievingthe current value of the variable are explained as follows. At step-11958 a user 1980 sends a request (through an externally owned account1978 or a smart contract 1976) to register a new global variable name(for example, ncash.supply) to the Registrar 1952. At step-2 1960, theRegistrar 1952 sets the owner and resolver for the variable in theRegistry 1954. At step-3 1970, a consumer/subscriber client 1972 or asmart contract 1974 sends a request to update the value of the globalvariable to the Resolver 1956. At step-4 1962, a smart contract 1966requests the value of the global variable from the Registry 1954. Atstep-5 1964, the Registry 1954 retrieves the Resolver 1956 for thevariable. At step-6 1968, the Resolver 1956 returns the value of theglobal variable.

Referring now to FIG. 39 an illustration of global variable sharingacross smart contracts is described in more detail. The Lending Poolsmart contract 2004, Lending Request smart contract 2002 and Loan smartcontract 2006 are linked smart contracts in a Peer-to-Pool-Peer (P2P2P)lending system that are used in loan making and loan servicingprocesses. The Lending Request smart contract 2002 is used in the loanmaking process. Borrowers send lending requests to the lending systemand a Lending Request smart contract is created for each lendingrequest. The Lending Pool smart contract 2004 is used to manage alending pool. When the lending system matches a lending request to alending pool, a new Loan smart contract 2006 is created. The Loan smartcontract 2006 manages the loan servicing aspects of a loan from the timethe loan is disbursed until the loan is paid off. The Loan smartcontract 2006 captures the loan details such as loan principal, loaninterest rate, address of lending pool contract from where the loan isdisbursed as state variables. Loan smart contract 2006 also registersglobal variables 2042 such as for the loan amount repaid(loanAmountRepaid) and loan status (loanStatus). The Lending Pool smartcontract 2004 and Lending Request smart contract 2002 have globalvariables 2022, 2012 which are registered 2010, 2008 with the GlobalVariable Name Systems (GVNS) 2000 (lendingPool AmountRaised, lendingPoolnumLenders, lendingRequest AmountRequested). These global variables arereferenced 2032 in the Loan smart contract 2006.

Each of the smart contracts 2002, 2004 and 2006 have state variables2014, 2024, 2034, functions 2016, 2026, 2036, modifiers 2018, 2028,2038, and events 2020, 2030, 2040, which are existingelements/types/constructs in the Solidity smart contracts language.Support for global variables which are shared across multiple smartcontracts through GVNS 2000 within Solidity smart contracts language, isadded through extensions to the Solidity language specification.Furthermore, extensions are done within the Ethereum Virtual Machine(EVM) which is the runtime environment for smart contracts in Ethereumto add support for global variables shared through GVNS 2000. WhileSolidity and Ethereum have support for a limited set of global variablesthat provide information ab out the blockchain (such as block.coinbase,block. difficulty, block.gaslimit, block. number, block.blockhash,block.timestamp , msg.data , msg.gas , msg.sender, msg.value,tx.gasprice , tx.origin, this.balance, addr.balance), it is not possiblefor two or more linked smart contracts to share global variables. Thisadditional support for global variables is enabled by the GVNS 2000,extensions to the Solidity language specification and extensions to theEthereum Virtual Machine (EVM). The global variable support is crucialfor linked smart contracts (such as in a P2P2P lending system) to work.

The BBMF when used in combination with GVNS could provide information toan “analytics engine” as to the number of updates of the globalvariables and their type, and also to “advertising engines” as to theglobal variables referenced and their types.

Referring now to FIG. 40 an exemplary implementation of a Bulletin BoardPublisher/Producer client and Consumer/Subscriber client is described inmore detail. In the Publisher/Producer client implementation an instanceof the Bulletin Board client class is created. The connect( ) method ofthe client class is used to establish a connect to the Bulletin Boardserver by passing the Bulletin Board server address, clientID and clientsecret. The publish( ) method of the client class is used to publish amessage to the Bulletin Board server. The message object published tothe Bulletin Board server contains the list of topics, data payload,headers, time-to-live and nonce fields. In the Consumer/SubscriberClient implementation, subscribe( ) method of the client class is usedto subscribe to all or selected topics on the Bulletin Board server. Acallback function on_message( ) is defined which is executed every timea new message is delivered.

Referring now to FIG. 41 an exemplary interface of the nCash mobileapplication is described in more detail. The exemplary interface showsoptions to buy coins, send coins, receive coins, pay coins at amerchant, sell or withdraw coins, chat and transact with contacts, viewlist of transactions, loans and settings options. The customer's accountdetails such as account number, name and account balance is also shown.

Referring now to FIG. 42 an exemplary interface of the nCash mobileapplication showing peer-to-peer lending options is described in moredetail. A customer is eligible to request loans after completing thelending profile that includes customer's financial and educationinformation. Customer can view the nCash credit score from the mobileapplication. Borrowing peers (borrowers), can create new loan requests,view the status of existing loan requests, view loan offers receivedfrom lending peers (lenders) for the loan requests, and repay a loan.Lending peers (lenders) can view open loan requests submitted by allborrowing peers (borrowers) on the network, search for specific loanrequests by date range or loan request ID, send loan offers for the loanrequests, and release funds for accepted loan offers.

Referring now to FIG. 43 an exemplary interface of the nCash mobileapplication showing different types of transactions is described in moredetail. The transactions involved are of following types:

-   -   Transaction for buying new coins by paying in fiat currency        (such as USD) with credit/debit card or ACH bank transfer    -   Transaction for buying new coins by paying in cryptocurrency        (such as Bitcoin)    -   Transaction for selling coins and withdraw coins to a linked        bank account    -   Transaction for transferring coins to another user    -   Transaction for a cashback received on availing a cashback        offer.    -   Transaction for coins received on claiming a voucher

Referring now to FIG. 44 an exemplary interface of the nCash mobileapplication showing chats and payments interface is described in moredetail. The chats and transactions interface allows two customers tochat with each other and send or request payments. A payment requestreceived by a user can be approved or declined from the chats andtransactions interface itself.

Referring now to FIG. 45 an illustration of the nCash mobile applicationfeatures for different types of accounts is depicted.

Referring now to FIG. 46 an illustration of the evolution of NetworkFunction Virtualization from virtual machines to containers, isdescribed in more detail.

The development of 5G is being driven by technologies likeVirtualization, Cloud native, Containers and Microservices. NetworkFunction Virtualization (NFV) was created to facilitate and drivevirtualization of the telecoms networks. In the recent years, there isevolution of NFV from virtual machines to containers. VNF (VirtualNetwork Function), implements a virtualized network function on ageneral-purpose physical server. VNF (Virtual Network Function) is avirtual network function based on NFV (Network Function Virtualization).Virtual Network Functions (VNFs) 3002 deployed in virtual machines arebeing replaced by Containerized Network Functions or Cloud-NativeNetwork Functions (CNFs) 3012. CNFs are ultra-lightweight, more portableand scalable compared to VNFs. CNF is a network function that runs onthe open source container orchestration system such as Kubernetes 3016.CNF architecture is deployable over bare-metal server 3018 that bringsdown the cost. 5G Core uses cloud-native technologies such as containerorchestration systems, Service-mesh, Micro-services for streamliningnetwork function development. 5G Core Network uses SBA (Service BasedArchitecture) where each function of Core is regarded as a service, andthe interface between each function (service) is standardized as aweb-based interface (HTTP/REST).

Referring now to FIG. 47 an illustration of the Kubernetes architecture,is described in more detail. Kubernetes also known as K8s is anopen-source container orchestration system. A node or worker 3110, 3128is a machine, physical or virtual, on which Kubernetes is installed.Containers are launched on the worker machines. A cluster is a set ofnodes grouped together. The master 3100 is another node with Kubernetesinstalled in it, and is configured as a Master. The master 3100 watchesover the nodes in the cluster and is responsible for the actualorchestration of containers on the worker nodes. Kubernetes includesvarious components including an API Server 3102, ETCD service 3108,kubelet service 3122, 3132, container runtime 3118, 3136, controllers3106 and schedulers 3104. The API server 3102 acts as the front-end forkubernetes. The users, management devices, command line interfaces alltalk to the API server 3102 to interact with the Kubernetes cluster.ETCD 3108 is a distributed reliable key-value store used by Kubernetesto store all data used to manage the cluster. The Scheduler 3104 isresponsible for distributing work or containers across multiple nodes.Scheduler looks for newly created containers and assigns them to Nodes.The Controllers 3106 are the brain behind orchestration and responsiblefor noticing and responding when nodes, containers or endpoints goesdown. The controllers 3106 makes decisions to bring up new containers insuch cases. The container runtime 3118, 3136 is the underlying softwarethat is used to run containers (such as Docker). Kubelet 3122, 3132 isthe agent that runs on each node in the cluster. The agent isresponsible for making sure that the containers are running on the nodesas expected.

Referring now to FIG. 48 an illustration of the architecture of anapplication service mesh, is described in more detail. ApplicationService Mesh provides a framework to off-load many application leveltasks such as Security, Retries, Logging & tracing. Application ServiceMesh makes it easy to create a network of deployed services with loadbalancing, service-to-service authentication, monitoring, and more, withfew or no code changes in service code. Application Service Mesh enableslayer 7 functionality. Application service mesh adds the followingproperties to Kubernetes:

-   -   i) Automatic load balancing for HTTP, gRPC, WebSocket, and TCP        traffic.    -   ii) Fine-grained control of traffic behavior with rich routing        rules, retries, failovers, and fault injection.    -   iii) A pluggable policy layer and configuration API supporting        access controls, rate limits and quotas.    -   iv) Automatic metrics, logs, and traces for all traffic within a        cluster, including cluster ingress and egress.    -   v) Secure service-to-service communication in a cluster with        strong identity-based authentication and authorization.

An application service mesh (such as Istio) is logically split into adata plane 3248 and a control plane 3246. The data plane 3248 iscomposed of a set of intelligent proxies (such as the Envoy proxy)deployed as sidecars 3212, 3218, 3224, 3230, 3234, 3240. The sidecarproxies are deployed on the pods 3210, 3216, 3222, 3228, 3232, 3238.These proxies mediate and control all network communication betweenmicroservices and applications 3214, 3220, 3226, 3244, 3236, 3242.Sidecar proxies also collect and report telemetry on all mesh traffic.The control plane 3246 manages and configures the proxies to routetraffic. The control plane 3246 includes components for Configuration3202, Service Discovery 3204, Certificate Management 3206 and Telemetry3208.

Referring now to FIG. 49 an illustration of the architecture of anetwork service mesh, is described in more detail. Network Service Mesh(NSM) enables sophisticated layer 2 and 3 network configuration andoptions. 5G Core Networks are typically deployed hybrid cloudenvironments where each cloud has very different requirements on layer 2& 3 setup and protocols supported. NSM allows these requirements to befulfilled in a cloud native way. NSM can be used to connect differentclusters or domains. NSM maps the concept of an application service meshto L2/L3 payloads. NSM adds the following properties to networking inKubernetes:

-   -   i) Heterogeneous network configurations    -   ii) Exotic protocols    -   iii) Tunneling as a first-class citizen    -   iv) Networking context as a first-class citizen    -   v) Policy-driven service function chaining (SFC)    -   vi) Minimal need for changes to Kubernetes    -   vii) On-demand, dynamic, negotiated connections

NSM comprises components such as Network Service Manager 3312, 3326,Network Service Endpoint 3316, 3320, 3324, 3328 Network Service Client3308, 3310, 3318, 3322 and Network Service Forwarder 3314, 3330. NetworkService Endpoint is the component that provides network functionalityrequested by a Network Service Client. Some examples of networkfunctionalities requested by a Network Service Client and provided by aNetwork Service Endpoint are listed below:

-   -   i) Requesting access to an external interface, for example a        radio network service.    -   ii) Requesting a tunnel to a network service through an SDN    -   iii) Requesting access to an external device by hooking up two        network services.    -   iv) L2 bridge service    -   v) Distributed bridge domain

The functionality requested by a Network Service Client is provided by aNetwork Service Endpoint in the form an L2/L3 connection through NetworkService Forwarder 3314, 3330. The L2/L3 connection can carry payloadssuch as IP packets, Ethernet frames or MPLS frame. A Network ServiceRegistry 3302 keeps records of what network service are present, theirrespective network service endpoints and the network service managers.Every node in a Kubernetes cluster has a Network Service Manager whichpublish to the Network Service Registry 3302 for discovery. The NetworkService Managers advertise the Network Service Endpoints managed by themto the Network Service Registry 3302. Network Service Managerscommunicate peer-to-peer with to setup the L2/L3 connections. NetworkService Registry 3302 is implemented via Custom Resource Definitions(CRDs) in the Kubernetes API server. Every node in a Kubernetes clusteris a Network Service Manager domain. Every node also runs a NetworkService Forwarder which serves as a data plane doing the cross connects.

Referring now to FIG. 50 an illustration of an Application Service Meshover a Network Service Mesh, according to an embodiment of theinvention, is described in more detail. Application Service Mesh can bedeployed over a Network Service Mesh. Network Service Mesh 3410, 3408,3412 orchestrates the connectivity between different clusters, domainsor clouds. Application Service Mesh 3400 provides functionalities suchas secure service to service communication, observability, logging,telemetry, advance policies, intelligent routing rules, trafficmanagement and canary deployments.

Referring now to FIG. 51 an illustration of a Blockchain-Secured ServiceMesh 3500, according to an embodiment of the invention, is described inmore detail. The Zero-Trust model assumes that there are no longertrusted interfaces, applications, traffic, network or users.Blockchain-Secured Service Mesh 3500 meets the following requirements ofZero-Trust model:

-   -   i) All resources must be accessed in a secure manner    -   ii) Access control must be on a need-to-know basis and strictly        enforced    -   iii) Systems must verify and never trust    -   iv) All traffic must be inspected, logged and reviewed    -   v) Systems must be designed from the inside out instead of        outside in

Blockchain-Secured Service Mesh 3500 is logically split into a dataplane 3556 and a control plane 3554. The data plane 3556 comprises a setof intelligent proxies (such as the Envoy proxy) deployed as sidecars3520, 3526, 3532, 3538, 3544, 3550. The sidecar proxies are deployed onthe pods 3522, 3528, 3534, 3540, 3546, 3552. These proxies mediate andcontrol all network communication between the CNFs 3522, 3528, 3534,3540, 3546, 3552. Sidecar proxies also collect and report telemetry onall mesh traffic. The control plane 3554 manages and configures theproxies to route traffic. The control plane 3554 includes components forConfiguration 3502, Service Discovery 3504, Certificate Management 3506,Telemetry 3508, Blockchain 3510, BBMF & GVNS 3512, Smart Contracts 3514and Rules & Patterns 3516.

Referring now to FIG. 52 an illustration of the process for LoggingTraffic on Blockchain 3636 through Bulletin Board Messaging Framework(BBMF) 3614 and Global Variable Name System (GVNS) 3628, according to anembodiment of the invention, is described in more detail. The GlobalVariable Name System (GVNS) 3628 maintains records of global variablesand the owners and resolvers for the global variables. Data sources 3600such as CNFs, VNFs, Worker Nodes, Servers, Containers, Pods, VMs,produce data or notifications which are sent to a publisher/producerclient 3610 running on a service proxy 3608. The publisher/producerclient 3610 publishes the data or notification as a message 3612 to oneor more topics 3618, 3620 managed by the Bulletin Board server 3614. Theconsumer/subscriber client 3624 receives the messages 3622 and updatesthe value of global variables registered in the GVNS 3628. Smartcontracts 3630, 3632, 3534 reference the global variable registered inthe GVNS 3628.

All network traffic and transactions between the CNFs (ContainerizedNetwork Functions) or VNFs (Virtualized Network Functions) are logged onthe blockchain through the BBMF-GVNS components of theBlockchain-Secured Service Mesh 3616. Blockchain 3636 is used to ensurethat the CNFs/VNFs do not act maliciously against each other. Allinteractions are stored in a blockchain 3636 and use smart contracts toenforce security guidelines. Every transaction is logged and clearedbefore it is processed and committed. No CNF/VNF trusts the otherCNFs/VNFs.

Referring now to FIG. 53 an illustration of the Smart Contracts involvedin the Blockchain-Secured Service Mesh, according to an embodiment ofthe invention, is described in more detail. The smart contracts aredeployed on blockchain 3720 and interact with BBMF & GVNS 3700. Thesmart contracts involved are as follows:

-   -   CNF/VNF specific contracts 3706    -   Transaction Processing Contract 3712    -   Worker Node/Server specific contracts 3708    -   Identity Smart Contract 3714    -   Container/Pod/VM specific contracts 3710    -   Security Policies Contract 3716

Referring now to FIG. 54 an illustration of the steps for detecting andmitigating attacks (such as DDoS) with the Blockchain-Secured ServiceMesh, according to an embodiment of the invention, is described in moredetail. The blockchain-secured service mesh logs all traffic includingthe network and transactions data, processes and clears transactions,prevents CNFs/VNFs/VMs/Containers/Pods/Worker Nodes/Servers from actingmaliciously against each other and enforces security policies. Detectionand mitigation countermeasures can be provided in an on-demand mannerthrough the use of the blockchain-secured service mesh. All traffic fromCNFs/VNFs/VMs/Containers/Pods/Worker Nodes/Servers is logged using thebulletin board server and the corresponding global variables and smartcontracts are updated. Any Malicious or anomalous traffic is detectedthrough the smart contracts. Smart contracts are used to match patternsand the results are used to change mapping of the CNFs/VNFs based onrisk and scalability. Corresponding mitigation actions triggered throughBBMF. Mitigation actions involve advertising the attacks through theGVNS and Blockchain, isolating the infected component(CNFs/VNFs/VMs/Containers/Pods/Worker Nodes/Servers) and migrating it toother VMs/Containers/Pods/Worker Nodes/Servers. At step-3800,Publisher/Producer Client on Service Proxy publishes data from Sources(CNFs, VNFs, Worker Nodes, Servers, Containers, Pods or VMs) to Topicsmanaged by Bulletin Board. At step-3802, Consumer/Subscriber Clientsubscribe to topics managed by Bulletin-board and updates the globalvariables maintained by GVNS. At step-3804, Smart contracts referencethe global variables maintained by GVNS. At step-3806, Any Malicious oranomalous traffic is detected through the smart contracts. At step-3808,Mitigation actions triggered through BBMF, including advertising theattacks through the GVNS and

Blockchain, isolating the infected component(CNFs/VNFs/VMs/Containers/Pods/Worker Nodes/Servers) and migrating it toother VMs/Containers/Pods/Worker Nodes/Servers.

Referring now to FIG. 55 an illustration of the challenges andrequirements for Containerized Network Functions (CNFs) at differentlayers, according to an embodiment of the invention, is described inmore detail. The challenges at layer-2 (data link layer 3910) andlayer-3 (network layer 3908) include:

-   -   Networking & load balancing    -   Multi-tenant & multi-region    -   Orchestration, updates, maintenance    -   Scheduling    -   Service discovery    -   On-demand and dynamic connections    -   Heterogenous network configurations

Network Service Mesh 3920 addresses the challenges at layers 2 and 3.

The challenges at layer-4 (transport layer 3906), layer-5 (session layer3904), layer-6 (presentation layer 3902) and layer-6 (application layer3900) include:

-   -   Application health & performance monitoring    -   Application deployments & secrets    -   Circuit-breaking    -   Traffic management    -   Canary deployments    -   Timeouts, retries, deadlines, budgets    -   Backpressure    -   Transport security    -   Identity and access control    -   Quota management    -   Protocol translation    -   Policy    -   Service performance monitoring

Application Service Mesh 3916 addresses the challenges at layers 4, 5, 6and 7.

Referring now to FIG. 56 an illustration of the multi-layer protectionapproach using a Blockchain-Secured Application Service Mesh (BSASM)4014 and Blockchain-Secured Network Service Mesh (BSNSM) 4016, accordingto an embodiment of the invention, is described in more detail. BSASM4014 and BSNSM 4016 have their own blockchains 4018 and 4020. Eachblockchain has its own smart contracts and own GVNS variables that canbe shared. BSASM and BSNSM have their own smart contracts or each layerhas its own smart contracts.

Referring now to FIG. 57 an illustration of the multi-layer protectionapproach using different blockchains at different layers, according toan embodiment of the invention, is described in more detail. Each layerblockchain 4116, 4116, 4118, 4120, 4122, 4124, 4126 can communicateacross other layer blockchain. Each layer 4100, 4102, 4104, 4106, 4108,4110, 4112 can have its own blockchain, or subsets of layers can share ablockchain. Or neighboring layers can share blockchain. Or the subsetscan overlap and the bordering layer can be part of both blockchains.Alternatively, one blockchain with multiple smart contracts for eachlayer or subsets of layers L1 through L7. A Block can belong to one ormore subsets. Each Smart contract can belong to a blockchain or acrossblockchains. A zero trust graph sets up the assignments. Subsets canoverlap and each subset need not contain all adjacent layers. It couldcontain only layers L1 and L6 and L7.

Referring now to FIG. 58 an illustration of the super-chain andsub-chains in multi-layer protection approach, according to anembodiment of the invention, is described in more detail. Themulti-layer protection approach involves one super-chain 4200 and one ormore levels of sub-chains 4202, 4204, 4206. The super-chain acts assummarized version of the level-1 sub-chain. Similarly, level-(N-1)sub-chain acts as a summarized version of the level-N sub-chain. Asingle block in the super-chain can include summarized transactions frommultiple blocks in the sub-chain.

Referring now to FIG. 59 an illustration of BlockGrid architecture formulti-layer protection, according to an embodiment of the invention, isdescribed in more detail. BlockGrid is a multi-chain architecturecomprising N-levels of blockchains with increasing block-times andincreasing levels of decentralization. Level-1 4300 chain is the“fastest” chain which has block times in the range of few milli-secondto few seconds and a Proof-of-Authority (PoA) or Proof-of-Stake (PoS)consensus. The Level-N chain 4304 is a Proof-of-Work (PoW) chain withslow block times in the range of few seconds to few minutes and highlevel of decentralization. The blocks in the successive levels in theBlockGrid architecture are connected through block anchors. A BlockAnchor is a link between a block on level N-1 chain and a block on levelN chain where these blocks are linked by a cryptographic hash. Morespecifically, a Block Anchor may exist between a block on the Level-14300 chain and a block on the Level N-1 chain 4302, and another BlockAnchor may exist between block on the Level N-1 chain 4302 and a blockon the Level N 4304 chain.

The BlockGrid network can be seen as a hybrid of fully centralized andfully decentralized blockchain networks. Level-1 chain 4300 can becentralized as it needs to be fast and have fast block times, whereasLevel-N chain 4304 can be fully decentralized. The Bulletin boardmessaging system may be used to coordinate the N-levels of chains in theBlockGrid where messages and event notifications have to be exchangedbetween different levels of chains.

Referring now to FIG. 60 an illustration of relationships between blockson different blockchains within the BlockGrid architecture, according toan embodiment of the invention, is described in more detail. The figureillustrates a four level BlockGrid network with four blockchains 4400,4402, 4403, 4404. The blocks in a level N chain contain all thetransactions of the corresponding blocks in a level N-1 chain or asummarized form of transactions in the corresponding blocks. Forexample, block B4,0 on the level-4 chain 4404 contains all thetransactions in the corresponding block B3,0 on level-3 chain 4403,which in turn contains all the transactions in the corresponding blockB2,0 in the level-2 chain 4402, which in turn contains all thetransactions in the corresponding block B1,0 in the level-1 chain 4400.Similarly block B3,1 on level-3 chain contains all the transactions inthe corresponding blocks B2,1, and B2,2 1914 in the level-2 chain 1942.

The block times (or block intervals) and block generation times of thedifferent blockchains may be synchronized. For example, if level-1 chainhas a block time of 100 ms and level-2 chain has a block time of 1second then a new block of level-2 chain may be generated after every 10blocks on level-1 chain. In such a case every block on level-2 chainwould contain transactions from previous 10 blocks on the level-1 chain.

Referring now to FIG. 61 an illustration of Blockchain Identity & AccessManagement (B-IAM) system, according to an embodiment of the invention,is described in more detail. The B-IAM system's infrastructure layer4654 comprises a blockchain network 4634, a decentralized storageplatform 4636, decentralized messaging platform 4638 and cloudinfrastructure 4640. All the smart contracts related to user identitymanagement (such as the Seal Contract, Certification Contract, Roles &Privileges Contract) deployed on the blockchain network 4634. For 4634,a blockchain platform such as Ethereum can be used. The decentralizedmessaging platform 4638 is used for messaging between the decentralizedapplications (Dapps), which are built on the B-IAM system. For 4648, adecentralized messaging platform such as Whisper, can be used. Whispermessages are transient in nature and have a time-to-live (TTL) set. Eachmessage has one or more topics associated with it. The Dapps running ona blockchain node inform the node about the topics to which they want tosubscribe. Whisper uses topic-based routing where the nodes advertisetheir topics of interest to their peers. Topics are used for filteringthe messages which are delivered to a node which are then distributed tothe Dapps running on the blockchain node. The decentralized storageplatform 4636 is used for storing user data such as user photos, andscanned identity documents. For 4636, a decentralized storage platformsuch as Swarm can be used. Swarm is a decentralized storage platform andcontent distribution service for the Ethereum blockchain platform. Swarmis a peer-to-peer storage platform which is maintained by the peers whocontribute their storage and bandwidth resources. Swarm has beendesigned to dynamically scale up to serve popular content and has amechanism to ensure the availability of the content which is not popularor frequently requested. The cloud infrastructure 4640, is used forcollection, storage and analysis of application usage data.

The B-IAM system's platform and application services layer 4618comprises Integration Services 4628, Identity & Authentication Services4650, User Registration & Certification Services 4652, Data Management &Analytics Services 4620. The Integration Services 4628, compriseInter-Blockchain and Intra-blockchain Messaging Services 4630, andvarious connectors for applications, cloud services and other blockchainnetworks 4632. The Identity & Authentication Services 4650 comprise aUser Identity & Access Management Service 4642, and a B-IAM portal 4644.The B-IAM portal 4644 allows users 4600 to access and monitor theiridentity data recorded in the B-IAM system and view identity requestsmade by different applications. The User Registration & CertificationServices 4652 comprise a User Registration Service 4646 and a UserCertification Service 4648. The Data Management & Analytics Services4620, are deployed on the cloud infrastructure 4640. These include ananalytics service 4622, reporting service 4624, and an alerting service4626. The analytics service 4622, can analyze multi-blockchain behaviorof a user account to ensure compliance. It is contemplated and includedwithin the scope of the invention that all of these platforms andapplications services are operable on a computerized device comprising aprocessor, a network communication device, and a data storage device asdescribed hereinabove.

The B-IAM system can be used for providing identity, access managementand authentication services for a wide range of applications 4614. Someexemplary applications that can benefit from the B-IAM system include anidentity verification application 4602, access control application 4604and a blockchain-based payments application 4608. All of these maycommunicate with third party devices and applications 4614 thatidentifies and/or authenticates the users 4600.

Referring now to FIG. 62 an illustration of the interactions between theB-IAM system 4548 and other blockchain networks 4500 and decentralizedapplications 4560, 4562, according to an embodiment of the presentinvention are now described in detail. The B-IAM system can be used toprovide user identity and access management services for variousdecentralized applications deployed on different blockchain networks.The B-IAM allows a user to work on multiple blockchain networks, ormultiple applications deployed on the same blockchain networks, whilemaintaining the same identity. The blockchain network 4500 cancommunicate with the B-IAM system using an Inter-Blockchain Messagingprotocol 4524. The blockchain network 4500 can also send usage data 4532(such as application usage and user interactions data) to the B-IAMsystem. Applications deployed on a blockchain network 4500 are either inthe form of smart contracts 4518, 4542 or Dapps 4560, 4562. A smartcontract is a piece of code which is deployed on the blockchain networkand is uniquely identified by an address. While smart contracts candirectly be used by end users 4514, 4550 who can send transactions orcalls to the smart contracts through blockchain clients, however, toprovide a more user-friendly interface to smart contracts, Dapps can bedeveloped and applied over these smart contracts. A Dapp 4560 includesone or more associated smart contracts 4518, a front-end user interface4522 (which is typically implemented in HTML and CSS) and a back-end4520 (which is typically implemented in JavaScript). Users can submittransactions to the smart contract 4518 associated with a Dapp from theDapp's web interface itself. The Dapp's web interface forwards thetransactions to the blockchain platform 4500 and displays thetransaction receipts or state information in the smart contracts in theweb interface. A Dapp is deployed on a blockchain node 4504 which servesthe Dapp's web-based user interface. The Dapp logic is controlled by theassociated smart contracts 4518 which are deployed on the blockchainplatform 4500. Dapps which have special storage requirements can makeuse of a decentralized storage platform (such as Swarm). Similarly,Dapps which have special messaging requirements can leverage adecentralized messaging platform (such as Whisper). A blockchain node4504 typically comprises a blockchain client 4506 that sendstransactions to the blockchain network 4500, a smart contracts compiler4508, a decentralized storage client & local store 4510, and adecentralized messaging client 4512. While the smart contracts aredeployed on the blockchain network, intra-blockchain messaging 4516(over a decentralized messaging platform) and decentralizedstorage/retrieval requests 4564 (over a decentralized storage platform)work off the chain as they do not require a consensus on the blockchain.

Referring now to FIG. 63 an illustration of Blockchain-Enabled Network &Application Service Mesh (BENASM) 4700, according to an embodiment ofthe invention, is described in more detail. BENASM 4700 is a combinedblockchain-enabled network and application service mesh. The combinedmesh can have a single blockchain or there can be separate blockchainsfor network and application layers. Each blockchain has its own smartcontracts and own GVNS variables that can be shared. Each layerblockchain can communicate across other layer blockchain. At the networklayer, BENASM enables layer 2 and 3 functionality such as networkconfiguration and connectivity different clusters or domains. At theapplication layer, BENASM enables layer 7 functionality such as loadbalancing, service-to-service authentication, monitoring, security,retries, logging & tracing and more. The combined mesh enablesvisibility at both network and application layers and cross layerinformation passing. For example, from a security point of view if aport is opened at one layer it may be cross checked or correlatedagainst an application action. From Observability point of view, ASMgives application metrics, but it doesn't give network and packet levelmetrics. The combined mesh can give visibility at all layers with optionto drill top-down from higher to lower layers.

BENASM is logically split into a data plane 4764 and a control plane4762. The data plane 4764 comprises a set of intelligent proxies (suchas the Envoy proxy) deployed as sidecars 4720, 4734, 4748. The sidecarproxies are deployed on the pods 4724, 4738, 4752. These proxies mediateand control all network communication between the microservices,applications or CNFs 4726, 4740, 4754. Sidecar proxies also collect andreport telemetry on all mesh traffic. The network service mesh specificcomponents such as Network Service Manager 4722, 4736, 4750, NetworkService Endpoint 4728, 4742, 4760, Network Service Client 4732, 4746,4758 and Network Service Forwarder 4730, 4744, 4756 are also deployed onthe pods 4724, 4738, 4752. The control plane 4762 manages and configuresthe proxies to route traffic. The control plane 4762 includes componentsfor Configuration 4702, Service Discovery 4704, Certificate Management4706, Telemetry 4708, Blockchain 4710, BBMF & GVNS 4712, Smart Contracts4714, Rules & Patterns 4716 and Network Service Registry 4718.

Referring now to FIG. 64 an illustration of Blockchain-Enabled Network &Application Service Mesh with Identity (BENASMI), according to anembodiment of the invention, is described in more detail. Ablockchain-enabled network and application service mesh with an identityframework is proposed. The combined mesh provides functionality atnetwork and application layers as well as secure identity forworkloads/services. BENASMI assigns unique identity to eachworkload/service in the cluster or domain. BENASMI works across multipledomains or clusters. A blockchain smart contract based trust certificateis assigned to each workload/service.

BENASMI is logically split into a data plane 4874 and a control plane4872. The data plane 4874 comprises a set of intelligent proxies (suchas the Envoy proxy) deployed as sidecars 4822, 4840, 4856. The sidecarproxies are deployed on the pods 4830, 4854, 4860. These proxies mediateand control all network communication between the microservices,applications or CNFs 4832, 4846, 4864. Sidecar proxies also collect andreport telemetry on all mesh traffic. The network service mesh specificcomponents such as Network Service Manager 4824, 4842, 4858, NetworkService Endpoint 4834, 4852, 4870, Network Service Client 4838, 4850,4868 and Network Service Forwarder 4836, 4848, 4866 are also deployed onthe pods 4830, 4854, 4860. The control plane 4872 manages and configuresthe proxies to route traffic. The control plane 4872 includes componentsfor Configuration 4802, Service Discovery 4804, Certificate Management4806, Telemetry 4808, Blockchain 4810, BBMF & GVNS 4812, Smart Contracts4816, Rules & Patterns 4720, Network Service Registry 4814 and IdentityService & Contracts 4818.

Referring now to FIG. 65 an illustration of cross-cluster/cross-domainconnectivity, identity and observability with Blockchain-Enabled Network& Application Service Mesh with Identity (BENASMI), according to anembodiment of the invention, is described in more detail. BENASMI 4900can provide connectivity, identity and observability functionalityacross multiple Kubernetes clusters/domains 4906, 4914, 4926 where eachcluster/domain has multiple pods 4902, 4904, 4908, 4910, 4922, 4924,4928, 4930, 4912, 4916, 4918, 4920 running microservices or services,applications or CNFs.

Referring now to FIG. 66 an illustration of microservices architecture,according to an embodiment of the invention, is described in moredetail. Microservices are an architectural approach to softwaredevelopment where instead of developing monolithic software, a number ofsmall independent services are developed that communicate overwell-defined APIs. Microservices-based or services-based architecturesmake scaling easier, and accelerate the time to market. Microservicesarchitectures leverage Virtualization and Containerization technologies.

In certain embodiments, in the context of 5G, Microservicesarchitectures along with Virtualization and Containerizationtechnologies can allow dynamic allocation and placement of resources,network orchestration and creation of network slices on-demand withoutprior knowledge of service requirements. Resource allocations can beautomated through the use of blockchain and smart contracts to meet thevarying levels of QoS. While network slices or container-basedmicroservices applications may be utilized in a 5G context, it iscontemplated and included within the scope of the invention that networkslices may be employed in a variety of other contexts, particularlythose utilizing microservice-based applications utilizing CNFs, such as,but not limited to, Kubernetes, Docker, Google Kubernetes Engine (GKE),Amazon Elastic Kubernetes Service (EKS), and Azure Kubernetes Service,as supported by most cloud-computing environments. Particularly, networkslices may be any Kubernetes-based microservices-based application.

With a rapid growth in microservices various problems related to servicediscovery, routing between multiple services, versions, identity,authorization, authentication, security, and load balancing arise. WhileKubernetes and application service meshes address some of theseproblems, however, there are issues such as multi-layer security, DDoSprevention and zero-trust approach to securing microservices. TheBlockchain-Enabled Network & Application Service Mesh with Identity(BENASMI) addresses these issues.

Referring now to FIG. 67 an illustration of dynamic allocation ofresources in 5G using Virtualization and Containerization, according toan embodiment of the invention, is described in more detail. The ideasof Virtualization and Containerization as in Cloud Computing can beextended to the Carrier 5G networks where different containers aremodeled by their types and each consumes its own types of slice coinsand resources and smart contracts ensure that enterprises, carriers andcloud providers can all run smoothly while not interfering with existingrelationship and operational constraints imposed by the other entities.Virtualization and Containerization technologies enable the 5G networkoperators to quickly build application-aware networks and network-awareapplications to deliver customized services and business models.Blockchain and smart contracts enable end-to-end resourceallocation/sharing, network management and orchestration deliveringdesired services.

Referring now to FIG. 68 an illustration of network slice coins,according to an embodiment of the invention, is described in moredetail. Network Slicing is a technology in 5G that allows creatinglogical networks called network slices on top of a common and sharedinfrastructure layer, to realize a wanted network characteristic andprovide specific network capabilities to address a specific customerneed.

For regulating the network slices, a new type of virtual currency named“Slicecoin” is proposed. Slices are regulated by different types ofSlicecoins such as coins for resources, coins for different types ofservices, and coins for different type of functions—control, computing,management. These coins are allocated, consumed, created and burned in atemporal and spatial manner utilizing smart contracts that can be run onsingle or multiple blockchains, utilizing IDs and decentralization formanagement and provisions and operations and control subject toresource, quality, performance and cost and security constraints.Network Slicecoins allow non-trusting parties to co-manage the 5Gnetwork with slices.

Slice templates 5100, specification and configurations of resources,management models and system parameters are used to generate smartcontracts 5114 which automate the process of resource allocation andnetwork orchestration. Slice coin serves as the native token on theblockchain enabling customized service delivery and new charging andbusiness models in 5G and rewarding the entities involved. Smartcontract 5114 agreements between users and network operators are used tocharge the users. Since charging happens automatically when conditionsagreed in smart contracts are met, this brings greater transparency andminimize frauds. Blockchain 5118 allows maintaining a complete audittrail of transactions making financial reconciliations easier.

Referring now to FIG. 69 an illustration network slice management usingblockchain, according to an embodiment of the invention, is described inmore detail. A Network Slice is a set of network functions, andresources to run these network functions, forming a completeinstantiated logical network to meet certain performance levels requiredby specific types of services. Network slices can address differentservice requirements such as end-to-end latency, mobility, user density,priority, coverage area, traffic capacity, and degree of isolation. Thephysical or virtual infrastructure resources may be dedicated to onenetwork slice or shared with other network slices. Some examples ofservice types and slice performance needs are described as follows:

1. High-speed broadband for fixed wireless access (high capacity andthroughput) 5150.

2. Massive IoT for remote metering (low power, high-scale deviceconnectivity) 5152.

3. Mission-critical services for factory automation (ultra-low latencyand high reliability) 5154.

Each of the slices 5160, 5162, 5164 deliver a mix of performancecapabilities along three core dimensions:

1. capacity and throughput

2. reliability and latency

3. scale of connectivity

Slices 5160, 5162, 5164 are regulated by different types of Slicecoinssuch as coins for resources, coins for different types of services, andcoins for different type of functions—control, computing, management,which are deployed on a Blockchain Network 5172.

Referring now to FIG. 70 an illustration of Hierarchical ConsensusModels in 5G, according to an embodiment of the invention, is describedin more detail. A proof of authority model is applied at higher leveldomains and within each domain a different consensus model may be used,for example. One consensus model can be embedded within anotherconsensus models. At the highest level—carrier networks (5G), cloudproviders, and enterprises can have one consensus models where theyassign, allocate, and consume 5G and computing resources, and withintheir domains they may have their own consensus models. HierarchicalConsensus Models in 5G will allow efficiently managing a large number ofinteractions in a highly heterogeneous network, for use cases such as:

1. Securely creating an end to end slices and allocating resources basedon the agreed smart contracts.

2. Handling slice requests from various industry verticals and passingthem to mobile infrastructure resource orchestrator.

Referring now to FIG. 71 an illustration of Service Based Architecture(SBA) in 5G, according to an embodiment of the invention, is describedin more detail. A major difference in 5G Core compared to previousgenerations of network architectures is the introduction a newarchitectural concept called the Service Based Architecture (SBA) thatuses service-based interactions between Network Functions. The networkfunctions used in 5G core include Unified Data Management (UDM) 5300,Policy Control Function (PCF) 5302, Network Exposure Function (NEF)5304, Network Repository Function (NRF) 5306, Unified Data Repository(UDR) 5310, Session Management Function (SMF) 5312, Access & MobilityManagement Function (AMF) 5314, Network Slice Selection Function (NSSF)5316, Authentication Server Function (AUF) 5318, for instance. By usingthe Service Based Architecture, the Network Functions can be virtualizedand provide their services, using the common HTTP/2 Internet protocoland REST API based Service Based Interfaces (SBI), to other networkfunctions or external parties. The 3GPP specifications (3GPP TS 23.501,TS 29.510, and TS 33.501 Release 16 onwards are incorporated byreference). While 3GPP is incorporated by reference specifically, it iscontemplated and included within the scope of the invention that anystandard protocol as is known in the art may be utilized and theinvention disclosed herein configured to conform to.

Referring now to FIG. 72 an illustration of an exemplary approach forusing Shared, Slice-Specific and Unshared network functions for Slices,according to an embodiment of the invention, is described in moredetail. A slice is a logical block in the 5G core network to serve aspecific purpose. The 3rd Generation Partnership Project (3GPP)currently defined in TS 23.501, which is incorporated by reference, thefollowing four types of network slice types, based on their quality ofservice features:

1. massive Machine Type Communication (mMTC)

2. enhanced Mobile Broadband (eMBB)

3. Ultra-Reliable Low Latency Communications (URLLC)

4. Vehicle to X (V2X)

A slice in the core network may consist of a group of Network Functions(NFs) that support that slice. Those network functions can beexclusively assigned to that slice or be shared among different slices.A shared network function can provide services to several slices.Exemplary Slices (Slice-1 5432 and Slice-2 5424) with Shared,Slice-Specific and Unshared CNFs are shown.

Referring now to FIG. 73 an illustration of an exemplary S-NSSAI (SingleNetwork Slice Selection Assistance Information) that usesblockchain-based slice identifiers, according to an embodiment of theinvention, is described in more detail. Blockchain and Smart Contractswill assign identity to slices. Each slice instance is identified acrossthe 5G core, the 5G RAN and in the User Equipment (UE) by a sliceidentity which is called the Single-Network Slice Selection AssistanceInformation (S-NSSAI) in TS 23.501. This identifier has two parts:

1. Slice Service Type (SST) 5500 is a predefined value for eMBB or mMTC,etc.

2. Slice Differentiator (SD) 5502 is an optional MNO specific value fordifferentiating between slices of the same type.

The Blockchain network within BENASMI stores identities to slices.Slices may be tracked and monitored and configured/control/reconfiguredthrough these identities using smart contracts. Access to resources,such as network, computing, storage and radio (RAN slicing at the MAClevel, for instance) resources are regulated by smart contractsutilizing smart tokens that may be issued at many different levels ofgranularity—from access to a service itself, or to particularinformation elements within the service, ensuring fine-grained controland security provisions. Blockchain-stored and smart contract-basedslice identities, including differentiators, are used to preventmalicious slices from utilizing services and/or resources reserved forthe assigned slice.

Referring now to FIG. 74 an illustration of an augmented NRF, SCP andNEF network functions with the inventive approach BENASMI, according toan embodiment of the invention, is described in more detail. NRF 5832(as per 3GPP TS 29.510) supports Network Function Management, NetworkFunction Discovery and Authorization Service. Blockchain-based SmartContracts implement and/or support these three functions.Blockchain-based Smart Contracts provide additional support to regulateaccess to individual Information Elements selectively, even ifhigh-level access to the entire service is allowed by the NRFAuthorization Service of the NRF, thus allowed fine-grained control ofcontrol plane and management plane information. The SCP 5846 supports(as per 3GPP TS 23.501 and TS 33.501, which are incorporated byreference) communications (typically, but not limited to, API REST/HTTPcalls) between different network functions, message forwarding androuting communication security network reliability (monitoring, overloadcontrol, and load balancing, for example), and also discovery on behalfof CNFs. All transactions and messages processed by the NEF 5864 arestored and audited by smart contracts associated with the blockchainnetwork. Smart contracts monitor slice activity for malicious eventsthrough monitoring of the NEF in BENASMI. The same techniques may alsobe applied to proprietary and vendor-specific control-plane andmanagement-plane CNFs supporting the service-based architecture, withoutrestriction, to enhance security and performance through use of smartcontracts and/or a blockchain.

Referring now to FIG. 75, an illustration of process for collecting datafrom NFV MANO interfaces using Oracles with BENASMI/BECNX environments,according to an embodiment of the invention, is described in moredetail. Oracles are used to get data from an outside source onto theblockchain. Oracles are a way of verifying and communicating real-worlddata to blockchains. Oracles provide off-chain data for both blockchainand enterprise use, and can often be referred to as a bridge between theoutside world and blockchains. Oracles can be categorized into:

-   -   1. Data carrier oracles that relay query results from a trusted        data source to a smart contract.    -   2. Computation oracles that not only relay query results, but        also perform the relevant computation themselves. Computation        oracles can be used as building blocks to construct off-chain        computation markets.

The Smart Contracts Orchestrator monitors the following interfaces inthe CNF/NFV MANO architecture: Os-Ma, Ve-Vnfm, Or-Vnfm, Or-Vi, Nf-Vi.

Steps involves are as follows:

-   -   1. Monitoring Smart Contract 6000 sends a query to the Oracle        Smart Contract 6004.    -   2. Oracle Smart Contract 6004 relays the query to the Data        Oracle 6012.    -   3. The Data Oracle 6012 gets data from the NFV MANO interfaces        6018.    -   4. Response is sent back to the Oracle Smart Contract 6004.    -   5. Once the Oracle Smart Contract 6004 gets a result from the        monitored interface, it calls a function named _callback in the        monitoring Smart Contract and passes it the result as an input.

Referring now to FIG. 76, an illustration of process for OffloadingComputations to Oracles, according to an embodiment of the invention, isdescribed in more detail. While Blockchain Networks enable arbitrarycomputations to be run in a decentralized and trust minimized manner,but in reality developers are much more limited in the types ofcomputation they can include in their smart contracts. Computationallyheavy tasks quickly become prohibitively expensive to run on-chain dueto gas costs. Their execution time is also bounded by the time it takesfor the network to achieve consensus.

As a result, on-chain execution of computationally heavy tasks such(such as network traffic analysis, deep packet inspection, etc) areinfeasible. Such complex computations can be offloaded to ComputationOracles. A number of models for computation oracles have been proposed:

-   -   1. SchellingCoin protocol: The SchellingCoin protocol        incentivizes a decentralized network of oracles to perform        computation by rewarding participants who submit results that        are closest to the median of all submitted results in a        commit-reveal process.    -   2. M-of-N Oracles: A model for verifiable computation oracles        involves m-of-n oracles performing computation and voting on the        correct result with the ability to challenge results by        submitting a security deposit- in the scenario of a challenge,        the computation is performed on-chain to decide whether to        penalize the challenger or a misbehaving oracle.

Steps involves are as follows:

-   -   1. Monitoring Smart Contract 6050 sends a query to the Oracle        Smart Contract 6054.    -   2. Oracle Smart Contract 6054 relays the query to the        Computation Oracle 6062.    -   3. The Computation Oracle 6062 responds with the results.        Response is sent back to the Oracle Smart Contract 6054.    -   4. Once the Oracle Smart Contract 6054 gets a result from the        monitored interface, it calls a function named _callback in the        monitoring Smart Contract and passes it the result as an input.

Referring now to FIG. 77, an illustration of exemplary reference smartcontract that uses a data oracle to update OAuth token within the smartcontract, according to an embodiment of the invention, is described inmore detail. The interaction between Monitoring Smart Contract andOracle is asynchronous. Any request for data is composed of two steps.Firstly, a transaction executing a function of a smart contract isbroadcasted by a client/user. The function contains a specialinstruction which manifest to the Oracle Service, which is constantlymonitoring the Blockchain for such instruction, a request for data.Secondly, according to the parameters of such request, the OracleService will fetch or compute a result, build, sign and broadcast thetransaction carrying the result. In the default configuration, suchtransaction will execute the _callback function which is placed in themonitoring smart contract. The Oracle Service has the capability ofreturning data to a smart contract together with one or more proofs ofauthenticity of the data (such as TLSNotary Proof or Ledger Proof).

Referring now to FIG. 78, an illustration of exemplary flow forauthorization of service mesh CNF API requests using OAuth 2.0 accesstokens, according to an embodiment of the invention, is described inmore detail. Smart Contracts Orchestrator 6106 is part of an extendedauthorization server 6104, where the OAuth server does an additionalstep of communicating with Smart Contract Orchestrator 6106. Uses ofOAuth token are also monitored by the smart contracts. API requests arealso sent to the smart contracts. The smart contract can revoke accesstoken. It can regulate use of token further in a fine-grained manner andadd additional issued tokens. A gatekeeper pattern of a new kind isproposed based on smart contracts. The gatekeeper is an additional layerand in some cases supplements Oauth 2 for Zero Trust. Currently if weauthorize with Oauth 2 the requester has unrestricted use of theresource through use of the granted token. We regulate and monitor eachuse of the token as a basic matter. We can also create different typesof tokens with different levels of authorization. The tokens are addedor concatenated to OAuth tokens to provide fine grained access toselected information elements for selected time periods unlike OAuth aslone. Current art is OAuth 2.0. We make it better with (1) monitoringuse of OAuth 2.0 tokens and as a layer of additional protection (2) a asaugmented (with a slice or crypto token) token that is a securitychaperone for the microservices CNF/slice function APIs. Additionaloptimizations are disclosed that ensure that expiring authorizationtokens may be refreshed as needed through use of suitable procedures andpolicies.

Referring now to FIG. 79, an illustration of a reference implementationof SliceCoin Orchestrator, according to an embodiment of the invention,is described in more detail. The SliceCoin Orchestrator 6200 interactswith the SliceCoin smart contract 6206 deployed on the blockchainnetwork 6208. Users can purchase SliceCoins from the SliceCoinOrchestrator 6200 by sending a transaction to the SliceCoin smartcontract 6206 and paying in the native cryptocurrency associated withthe blockchain network 6208. Users can create slices from slicetemplates 6202 on the Kubernetes Cluster 6212 from the SliceCoinOrchestrator 6200. A slice is collection of resources provisioned on theKubernetes Cluster 6212 such as pods, services and deployments.

Referring now to FIG. 80, an illustration of the steps involved increating a slice using SliceCoin Orchestrator, according to anembodiment of the invention, is described in more detail. At step-16300, user purchases SliceCoins using SliceCoin Orchestrator. At step-26302, user creates a Slice from a Slice Template. User is chargedSliceCoins based on the Slice priority and duration. At step-3 6304,SliceCoin Orchestrator provisions resources to operate the Slice on theKubernetes Cluster (pods, services, deployments). At step-4 6306,SliceCoin Orchestrator terminates the Slice after the defined duration.

Referring now to FIG. 81, an illustration of a reference implementationof resource quotas used by SliceCoin Orchestrator, according to anembodiment of the invention, is described in more detail. Three resourcequotas for high priority 6350, medium priority 6352 and low priority6354 resources are defined.

Referring now to FIG. 82, an illustration of a reference implementationof priority classes used by SliceCoin Orchestrator, according to anembodiment of the invention, is described in more detail. Three classesfor high priority, medium priority and low priority pods are defined,for example, in a non-limiting manner. Other examples of prioritiescould be Quality of Service (QoS) indicators applied to voice, video, orbackground data traffic packets as commonly used, but not limited to, inDiffSery and IntSery protocols. .

Referring now to FIG. 83, an illustration a reference implementation ofa slice template used by SliceCoin Orchestrator, according to anembodiment of the invention, is described in more detail. The slicetemplate shown is a collection of a Kubernetes service 6380 and aKubernetes deployment 6382.

Referring now to FIG. 84 and FIG. 85, an exemplary interface ofSliceCoin Orchestrator, according to an embodiment of the invention, isdescribed in more detail. The SliceCoin Orchestrator dashboard allowsusers to view the details of the SliceCoin smart contract and purchaseSliceCoins. Users can connect their blockchain wallets to the SliceCoinOrchestrator using the Metamask browser extension. The SliceCoinOrchestrator dashboard allows users to create slices from slicetemplates. When a slice is created, the user is charged SliceCoinsdepending on at least one of the priority of the network slice, asecurity level of the slice, a security indication of the network slice,and the duration of the slice. The SliceCoin Orchestrator dashboardshows the status of pods, services, deployments, slices and resourcequotas of the Kubernetes cluster.

Referring now to FIG. 86, FIG. 87 and FIG. 88, the process of creating anew network slice, or a microservices-based application from theSliceCoin Orchestrator, according to an embodiment of the invention, isdescribed in more detail. To create a network slice, the user selects anetwork slice template and provides a name for the network slice. Theuser may further provide at least one of a priority for the networkslice, a security level for the slice, a security indication for the,and a duration for the network slice, including those defined as networkslice requirements. Slice. The security indication can, withoutlimitation, refer to specific Service Level Agreement (SLA) conditionsrelated to security between the operator and the customer, for example,as related to firewalls, SCTP/TCP/UDP/IP/TLS layer-level and cross-layertraffic inspection requirements, denial of service protections, andother such considerations, including traffic/packet log filtering andinspection based alarms. The SliceCoins to be paid are estimated basedon at least one of the template and the network slice requirements. Atthe next step, the user confirms the transaction. The details of thecreated network slice can be seen in the SliceCoin Orchestratordashboard.

FIG. 89 shows the process of development of a SliceCoin smart contractused by the Slicecoin Orchestrator, according to an embodiment of theinvention, is described in more detail.

FIG. 90 shows the private blockchain network setup using the Ganachetool which is used by the SliceCoin Orchestrator.

FIG. 91 shows the Kubernetes dashboard for the Kubernetes cluster onwhich the slices are deployed from the SliceCoin Orchestrator.

Referring now to FIG. 92, the process of creating different SliceCoinsmart contracts using a SliceCoin Generator, according to an embodimentof the invention, is described in more detail. The slice coins can beprogrammed to generate suitable smart contracts by providing theconfiguration, data and actions within a Slice Coin Configuration objectthat is passed to the SliceCoin Generator.

All of the above-described methods are performable on computerizedsystems, such systems comprising a processor, a data store (such asmemory) positioned in communication with the processor, and a networkcommunication device position in communication with the processor andoperable to communicate across a network, as are all known in the art.

Some of the illustrative aspects of the present invention may beadvantageous in solving the problems herein described and other problemsnot discussed which are discoverable by a skilled artisan.

While the above description contains much specificity, these should notbe construed as limitations on the scope of any embodiment, but asexemplifications of the presented embodiments thereof. Many otherramifications and variations are possible within the teachings of thevarious embodiments. While the invention has been described withreference to exemplary embodiments, it will be understood by thoseskilled in the art that various changes may be made and equivalents maybe substituted for elements thereof without departing from the scope ofthe invention. In addition, many modifications may be made to adapt aparticular situation or material to the teachings of the inventionwithout departing from the essential scope thereof. Therefore, it isintended that the invention not be limited to the particular embodimentdisclosed as the best or only mode contemplated for carrying out thisinvention, but that the invention will include all embodiments fallingwithin the scope of the appended claims. Also, in the drawings and thedescription, there have been disclosed exemplary embodiments of theinvention and, although specific terms may have been employed, they areunless otherwise stated used in a generic and descriptive sense only andnot for purposes of limitation, the scope of the invention therefore notbeing so limited. Moreover, the use of the terms first, second, etc. donot denote any order or importance, but rather the terms first, second,etc. are used to distinguish one element from another. Furthermore, theuse of the terms a, an, etc. do not denote a limitation of quantity, butrather denote the presence of at least one of the referenced item.

Thus the scope of the invention should be determined by the appendedclaims and their legal equivalents, and not by the examples given.

What is claimed is:
 1. A blockchain-enabled service-based cloud nativefunction (CNF) application architecture comprising: physical cloudinfrastructure comprising computing resources, the computing resourcescomprising: a processor; memory positioned in communication with theprocessor; and a network communication device positioned incommunication with the processor; an application service mesh networkcomprising a plurality of CNF applications configured to communicatewith each other, each application of the plurality of applications beingexecutable on the physical infrastructure; a blockchain-supportednetwork slice orchestration of one or more network slices managed by aslice coin orchestrator, each network slice being an instantiatedlogical network, is defined by a smart contract deployed on a blockchainnetwork, and comprises: a set of network slice functions performed byCNF applications of the application service mesh network; and resourcesfrom the computing resources operable to execute the set of networkslice functions; and wherein the slice coin orchestrator is operable totransact smart contracts transferring tokens that are configured to beexchangeable for instantiation of a network slice, defined as aplurality of slice coins, on the blockchain network, each slice coin ofthe plurality of slice coins being configured to regulate at least oneof access to and use by the one or more network slices to at least oneof the computing resources and the CNF applications of the applicationservice mesh network.
 2. The architecture of claim 1 wherein the networkslice is configured across computing resources and services controlledby multiple distinct network operators.
 3. The architecture of claim 1wherein the plurality of slice coins is configured to regulate access toenforce at least one of security constraints, service constraints, andcomputing resources.
 4. The architecture of claim 3 wherein: a firstslice coin of the plurality of slice coins is configured to regulateaccess to enforce a security constraint; a second slice coin of theplurality of slice coins is configured to regulate access to enforce aservice constraint; and a third slice coin of the plurality of slicecoins is configured to regulate access to computing resources.
 5. Thearchitecture of claim 1 wherein usage of each slice coin is tracked by anetwork slice identifier.
 6. The architecture of claim 5 wherein usageof each slice coin is further tracked by an identifier for a networkoperator.
 7. The architecture of claim 1 wherein at least one functionperformed by a CNF application is shared between two of the networkslices.
 8. The architecture of claim 1 wherein the network slice is aKubernetes-based microservices application.
 9. The architecture of claim1 wherein: a network slice of the plurality of network slices comprisesat least one of a priority, a security level, a security indication, anda duration, defining a network slice requirement; and wherein the slicecoin orchestrator is configured to determine at least one of a quantityand a type of slice coins necessary to instantiate each network sliceresponsive to the network slice requirement.
 10. The architecture ofclaim 1 wherein: the physical cloud infrastructure comprises a pluralityof computing devices, each computing device comprising a processor, amemory, and a network communication device, defining computing resourcesfor each computing device of the physical cloud infrastructure; and theslice coin orchestrator is configured to provision computing resourcesfor each network slice from the plurality of computing devices.
 11. Amethod of instantiating a blockchain-enabled service-based cloud nativefunction (CNF) application architecture comprising an applicationservice mesh network comprising a plurality of CNF applicationsconfigured to communicate with each other via a blockchain-supportednetwork slice orchestrator, comprising: receiving a request from a userto instantiate a network slice, defining a network slice request, thenetwork slice request comprising: a set of network slice functionsperformed by CNF applications of the application service mesh network;and computing resources operable to execute the set of network slicefunctions; determining at least one of a required quantity of slicecoins and slice coin type requirement responsive to the network slicerequest, defining a slice coin price; transmitting an indication of theslice coin price to the user; transacting a smart contract transferringfrom the user to the network slice orchestrator at least one of a numberof slice coins equal to the required quantity of slice coins and slicecoins matching the slice coin type requirement on a blockchain networkwhereupon the slice coins are deployed; instantiating a network sliceresponsive to the network slice request, the network slice comprisingthe set of network slice functions and computing resources provisionedfrom a cloud infrastructure; and recording the instantiation to a smartcontract deployed on the blockchain.
 12. The method of claim 11 whereinthe slice coins are configured to regulate access by the one or morenetwork slices to at least one of the computing resources and the CNFapplications of the application service mesh network.
 13. The method ofclaim 11 wherein the slice coins are configured to regulate access toenforce at least one of security constraints, service constraints, andcomputing resources.
 14. The method of claim 13 wherein: a first slicecoin of the plurality of slice coins is configured to regulate access toenforce a security constraint; a second slice coin of the plurality ofslice coins is configured to regulate access to enforce a serviceconstraint; and a third slice coin of the plurality of slice coins isconfigured to regulate access to computing resources.
 15. The method ofclaim 11 further comprising tracking the usage of each slice coin by anetwork slice identifier.
 16. The method of claim 15 further comprisingtracking the usage of each slice coin by an identifier for a networkoperator.
 17. The method of claim 11 wherein at least one functionperformed by a CNF application is shared between two of the networkslices.
 18. The method of claim 11 wherein the network slice isinstantiated on a Kubernetes cluster.
 19. The method of claim 11wherein: the network slice request further comprises at least one of apriority, a security level, a security indication, and a duration,defining a network slice requirement; and the slice coins price isdetermined responsive to the network slice requirement.
 20. Ablockchain-enabled service-based cloud native function (CNF) applicationarchitecture comprising: physical cloud infrastructure comprising aplurality of computing devices, each computing device comprisingcomputing resources, the computing resources comprising: a processor;memory positioned in communication with the processor; and a networkcommunication device positioned in communication with the processor; anapplication service mesh network comprising a plurality of CNFapplications configured to communicate with each other, each applicationof the plurality of applications being executable on the physicalinfrastructure; a blockchain-supported network slice orchestration ofone or more network slices managed by a slice coin orchestrator, eachnetwork slice being an instantiated logical network, is defined by asmart contract deployed on a blockchain network, and comprises: a set ofnetwork slice functions performed by CNF applications of the applicationservice mesh network; resources from the computing resources operable toexecute the set of network slice functions; and a network slicerequirement comprising at least one of a priority a security level, asecurity indication, and a duration; wherein the slice coin orchestratoris configured to determine at least one of a quantity and a type ofslice coins necessary to instantiate each network slice responsive tothe network slice requirement; wherein the slice coin orchestrator isoperable to transact smart contracts transferring tokens that areconfigured to be exchangeable for instantiation of a network slice,defined as a plurality of slice coins, on the blockchain network, eachslice coin of the plurality of slice coins being configured to regulateaccess by the one or more network slices to at least one of thecomputing resources and the CNF applications of the application servicemesh network; and wherein the slice coin orchestrator is configured toprovision computing resources for each network slice from the physicalcloud infrastructure.